EO
Emily O'SullivanVerified
Oct 14, 2026
Service inconsistent lately
Really torn on this one, since the rates are great but the app design feels about a decade behind peers.
Really torn on this one, since the rates are great but the app design feels about a decade behind peers.
Account closure was handled quickly with no retention haggling and the remaining balance was mailed as a check. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions. Compared half a dozen banks on fees and this one came out ahead by a meaningful margin on every category.
Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant. Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
Credit card chip and tap transactions work overseas without any extra verification pop ups in the app. Statements are formatted so clearly that reconciling to my bookkeeping software takes about three minutes a month. Mobile app home screen widget shows balances and spending without needing to open the full app each time.
Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls. Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Business line of credit was approved based on actual cash flow rather than only backward looking tax returns.
Rewards program is simple to understand and I actually earn enough cash back to notice at year end.
Automatic bill pay missed a payment that caused a late fee, and the bank refused to cover it despite their mistake.
Credit score dropped twenty points because this lender reported an incorrect balance for three straight months in a row. Hidden foreign transaction fees showed up on every single overseas purchase despite the card being marketed as travel friendly.
Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes. Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time.
Overdraft protection transfer failed because of an obscure rule I was never told about, and the fee was charged anyway.
Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing.
Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Loan servicing portal clearly shows principal, interest, and escrow splits for every monthly payment I make. Options chain is laid out well with implied volatility and open interest easy to scan at a glance.
Decent experience overall but the app crashes once a week during peak morning hours when I need it most. Appreciate the educational content, but it stops short of the deeper topics that active investors actually need. Account alerts are configurable, though push notifications sometimes arrive hours after the actual card transaction.
Credit limit was raised automatically after six months of on time payments without me having to call and ask. Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Business line of credit was approved based on actual cash flow rather than only backward looking tax returns. Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed. Trade confirmations arrive instantly and the tax documents are organized perfectly at year end for my accountant. Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season.
Trade confirmations arrive instantly and the tax documents are organized perfectly at year end for my accountant. Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch.
Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it. Loan rate quoted at application mysteriously jumped by a full percent by the time the paperwork was ready to sign. Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Loan prequalification used a soft pull so I could shop rates without hurting my credit score at all.
Fee free ATM network covered me on a road trip across four states without a single out of network charge. Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes.
Credit card application was approved and then rescinded three days later with no appeal process whatsoever available.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch. Credit card chip and tap transactions work overseas without any extra verification pop ups in the app. Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Had my identity stolen and the fraud department made me prove I was myself in increasingly absurd and demeaning ways. Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old. Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time.
Both of us were added to the joint account in a single video call and the cards arrived together a week later. Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Credit card chip and tap transactions work overseas without any extra verification pop ups in the app.
Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes.
Spoofing filters failed to block an obvious phishing message that resulted in a drained account for a family member.
Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit.
Automatic round ups into savings have quietly built up a surprising cushion over the past year of spending.
Interest on the high yield savings account posts monthly and matches what the website advertises up front. Loan payoff statement arrived within two business days of my request, exactly as the website had advertised.
Mortgage closing was efficient, though the pre approval process involved more document duplication than it should have.
Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made.
Fingerprint login almost always works on the first try and the fallback PIN flow is sensible when it does not. Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Debit card works reliably at home, but foreign transaction fees quietly add up during international trips abroad. Chat support can resolve simple issues quickly, but anything complicated gets escalated to a slow email queue.
Had to escalate to a state regulator before anyone at this bank would actually look at my complaint seriously.
Really like that external transfers can be scheduled recurring without needing a separate bill pay module. Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Fraud detection catches real issues, but also flags routine purchases often enough to be genuinely inconvenient. Deposits post on time, but there is no clear indicator of when a hold will actually release into available balance.
Account closure was punitive, with multiple holds and a check that did not actually arrive for over a full month. Lost access to a crypto account because of a device change and support could not restore it despite valid ID verification.
Had to switch banks after moving and the new account was set up and funded within a single afternoon.
Wire transfer was lost somewhere in the correspondent chain and nobody at this bank even tried to trace it.
Credit card concierge actually got me a last minute hotel booking during a holiday weekend when nothing was available. Compliance team walked me through the beneficial ownership forms patiently and never made me feel like a suspect. Business credit card perks actually align with what a small business spends on, like software and online ads.
Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon. Rewards program is simple to understand and I actually earn enough cash back to notice at year end.
Instant funding for new accounts meant I could trade the same morning I opened the brokerage online. BNPL approvals showed me the full repayment schedule up front with no surprise balloon payment at the end.
Charge dispute credit stuck permanently after investigation rather than being clawed back a month later without warning. Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant.
Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days. Account aggregation feature pulled in balances from three other institutions without any connection issues at all. Account funding from an outside brokerage completed in about four business days end to end with no hiccups.