Because Charles Schwab Bank cannot be in every major city, it waives ATM fees anywhere you go. There is no minimum balance required either.
well everything has been ok so far. I got this card to do some repair work then paid is down . then i decided i had and old phone so i upgraded to new unlocked phone and cost me a chunk of change. so I used this card. no problems. doubled my limit in 7 months as promised. the only issue I have my fico score keeps showing the same old thing all the time.
I found out about VirtualBank by searching for CD rates. I decided to open an account since they offered me better rates than my main bank was offering.
Overall, I've had a great experience with them. Opening my account was pretty easy. I linked my primary bank account to make my initial deposit and the rest was taken care of. I really like the fact that I can quickly transfer funds between my VirtualBank account and my main bank without any issues.
I haven't really considered VirtualBank as a primary bank, but to earn a bit of extra cash, why not.
Frost is a slice of Texas. They operate only in Texas and their customer service lines... you guessed it, are in Texas. A live person answers the calls, usually on the first ring. No automated menues, or oursourced reps.
Being a smaller bank, they have competive rates and EXCEPTIONAL in branch employees. They'll open the door for you, get you a coffee or a snack. Having a smaller ATM network, the out of network ATM fee is only $1.50. (Compared to $3+ with the national banks)
When my account was compromised, it took one call to customer service. I stopped by a branch, they had the new account open- starter checks ready- and have moved the provisional fraud credit into the new account.
I recently got approved for their new Cashback Mastercard which has a flat 3% cashback on Dining, Groceries and Gas. Amazing Card. APR is pretty decent. I already had their Any Deposit Checking Account, so the application process was fast and easy over the phone. Got approved with a really generous credit limit so all in all a very good experience.
Any Deposit Checking Account is also great product because all you need is just a deposit of any amount to waive the account fee. It's a simple account but it's so easy to avoid paying the fee.
All in all a positive experience
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