Banking Reviews


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Aug 19, 2016
Best bank easy, free, and always helpful
Anonymous

Ive had my simple account for over a year now. Ive had chase, and wells before. I hated them both! 

Simple is very easy and basic to use. The customer service is also VERY good. They usually always answer within 24 hours. Ive never had a bad customer service rep, plus you can deal with them completely online so you dont need to wait  on the phone. 

I had a company who would not return my refund even though I had proof. So i contacted simple, and they were able to get my money back to me.

You can only deposit check/money orders. You can NOT deposit cash, the only con. 

-Free ATM transactions (most of them like 7/11,etc)

-Free ATM foreign transactions

-1% foreign transaction fee

- no charges for overdrafts

- no min amount to maintain

- Checks take over a day to deposit (>$200 i think)

- Mobile App is also great and easy

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Aug 15, 2016
Exceptional Service, Excellent Products.
LuckyStars7
2 Contributions 0 People Helped

After I got back on my feet I went back to Schwab to re-establish my investing and also to use Schwab Bank. I am impressed with their level of customer service, their wonderful website, ease of transactions, and ATM rebates. In my experience they are a huge step above other brokerages and banks unless you are very well-off in which case any bank becomes your best friend. But for those of us still working for a living, Schwab is fantastic. The only downside to their banking is that you have to use the mobile app or website to deposit checks & they don't take straight cash deposits. But the cheap way around this is to go to the USPS or 7-11, convert any cash to a money order for a few cents, write it to youself, and then deposit to Schwab. Given their near total lack of fees for anything else this is a very small expense. Other pluses: Schwab is consistently ranked as a great place for women, minorities, and LGBTQ to work so the corporate culture is very inclusive and the people I speak with on the phone or in-branch are usually very happy to be at work. I think this makes a very positiive difference in their customer experience. Add to that their investment offerings and Schwab really is a one-stop shop for most people's financial needs. 

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Aug 07, 2016
Anonymous

Worthless waste of time trying to get a loan I desperately needed. Thanks for nothing

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Aug 22, 2016
Pretty good, but I have mixed experience
iluvlphnts
1 Contributions 0 People Helped

I like the bank opportunity that Woodforest offers, they're open longer hours and are often in the WalMart store I am close to.  I have had terrific in person experience at the teller line and new accounts, but having dealt with the bank over the phone was a nightmare. Just like another comment I read, they put small sums of money on hold. I understand rules about larger sums, but the check I am speaking of was $4,000.  I called and asked for the manager, I was told I was being transferred to the branch that opened my account, and I wasn't.  I was speaking to an individual with no bank knowledge or customer service experience. Finally after a long begging process I spoke with someone local and the problem was resolved instantly. 

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Mar 28, 2016
Criminal!!!
Anonymous

OneWest took over for IndyMac when they folded. I had a written agreement that stated my first and second mortgage could not be sold or separated. They did exactly that and it ended up costing me tens of thousands and our familys home. They cannot be trusted and should be jailed. Don't do business with this bank!!!

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Aug 19, 2016
Better than ANY bank, fantastic service.
flyboy1996
2 Contributions 4 People Helped

I had to transfer a LARGE amount of money out of USAA to another bank, but there are safety limits to prevent fraud (and protect the members). With one phone call I was able to get the transfer done and was advised it may take up to 3 days for it to complete.... it took ONE.  ATM withdrawals are also limited, but can be lifted to allow immediate access to funds with a simple call to the bank. They will close your account if you do not manage your account properly just like ANY financial institution. Online banking is a breeze and they refund ATM fees (probably limited to how many). Customer service is some of the best anywhere, especially since they only have one physical location in San Antonio, TX, but it doesn't stop you from depositing checks, managing your money, or making withdrawals. 

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May 31, 2016
Its not a bad bank
Anonymous

I'm pretty sure there are people paid to write negative and positive stuff about this bank.  I'm here to give you my own personal experience.  Its a bank.  They get my money and I spend it.  There are no hidden fees.  By law, they must tell you about all the fees they charge.  Only a fool doesn't look up what these fees are.  Everything is pretty much electronic these days.  They don't steal your money because they can't.  Its impossible to just take your money and it not be YOUR fault.  So yeah, this is a solid 4 star online bank.

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Aug 22, 2016
No issues
Sweetness75
1 Contributions 0 People Helped

When I received the offer in the mail, I was kinda like "there is no way I will be approved". I had a credit score of 414 after a nasty divorce and new hubby getting laid off and falling behind on bills. I took a chance and went online and accepted the offer. Was approved for $500. After 7 on time payments, my limit doubled to $1000. My credit score is now right up around the 600 mark, depending on which reporting agency you look at. Had the card just shy of a year now. I always pay online and my payments post overnight with no hold. My husband and I now have two CapOne cards and just got a new car loan through Well's Fargo with a 12% interest rate. Been rebuilding for the last 2 years. Started out in the low 400's. We have decided to keep this card even if just for emergencies. We have been happy. It has helped us move in the right direction. The other high interest cards are keeping each other company in a drawer til we can get them completely paid off. 

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Feb 12, 2016
I would not recommend this bank
Anonymous

I had dealt with this bank as the final recipient of my mortgage for 10 years.  A month ago I paid off my mortgage balance and at that time was assured that the automatic payments deducted from my checking account would automatically stop.  When they deducted the monthly payment the following month, I requested a wire transfer to return my money in a timely manner.  When the money did not appear in my checking account, I called and was told that just because I requested a wire transfer doesn't mean that they had to honor that and their decision was to send a check through the mail.  It has been 2 weeks that I have been waiting for them to return my money and I'm not happy about that.

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Feb 23, 2016
Anonymous

Terrible on-line capability.  Virtually no mobile capability.

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