Simple offers a good product for those who don't have very many assets and/or don't require brick and mortar services. Its great for those starting out in life, like college students etc. it allows them to easily track their spending and set goals. I had this account right up until I purchased my first property, which proved to be more trouble than it was worth. That being said, the customer service at Simple is awesome, they were always super helpful.
Overall, Schwab offers a good online banking product, if you can live without brick and mortar branches. They are the only bank I have used that offers full rebates on ATM and foreign transactrion fees. Its a great choice for frequent travellers. Its also a benefit to have the brokerage account, so you can easily move money back and forth. The two downsides are getting the account up and running, which can be a little slow and its not really a "high yield" account at 0.10% APY... Be aware that they do put a 4 day hold on ACH tranfers from an external bank account. The way around this is to initiate the transfer from Schwab not your external account.
I have had this account for several years. It has a high interest rate compared to the market though not the highest. I also have several other savings accounts so I don't depend on this for everything. I largely put money in this for keeping and not spending. I also like companies that have great customer service. After Amex started a relationship with Charles Schwab for a co-branded credit card, I applied for that credit card and now I can access my amex personal savings from clicking to my amex account from schwab. It is almost like my amex personal savings is a Charles Schwab savings account :). That is great because Charles Schwab, while great for investing and checking, doesn't have a great savings account. Likewise, the Amex personal savings doesn't have investing or checking. That said, the Amex Schwab Credit Card and Amex Personal Savings are a perfect fit for the Charles Schwab checking and investing accounts.
I received my card Aug 2016 with $600 cl, and after 7 on time payments they just double the cl to $1200. The only thing I wish they did was take debit card payments and not just check payments for the monthly bill. Also, the minimum payment iis only $35 which is nice if you have a rough month financially and can't afford to make a bigger payment.
I've had WoodForest National for 2yrs now and its been a okay experince. I switched from Bank of America and its been a okay experience i got a 2nd chance checking account and now i havea regular checking account. They offer alot of financial services but most of their banks in my area dont really offer alot of customer service in house like others. With car loan application and pretty much everything esle get sent onlnie to Texas (HQ) and take 1-7 business days to get results back. Crazy i know. But they do hae great hours and are open 7 days a week and some holidays cant say that about other banks. But they do have good customer service at branchs very helpful. I will continue to bank with them for some time now.
Too many service charges! When I asked then to take some off - they refused and told me that I should go bank in Canada where I live!! When I reported this to customer service they didn't care. Have taken all my money out and am going to a friendlier bank!
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.
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