Decent app for budgeting, but the categorization engine mislabels transactions often enough that I correct it weekly. Statements are clear enough, though the mobile app shows transactions in a different order than the website does. Fees are reasonable for the basics, but any out of network ATM withdrawal gets hit with a surprise charge.
Rewards program devalued overnight with no notice, dropping the point value by more than half across most redemptions. Dispute system is useless, with the same canned reply arriving no matter what evidence or documents you upload.
Both of us were added to the joint account in a single video call and the cards arrived together a week later. Customer support offered to call me back at a specific time instead of making me hold on terrible music.
Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store.
Charge dispute credit stuck permanently after investigation rather than being clawed back a month later without warning. KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions.
Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls. Spoofing filters caught two phishing emails pretending to be from the bank in just the last month alone.
Overdraft fees stacked on top of each other for a single bad weekend to the tune of over a hundred dollars.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch.
Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon.
Had a mixed experience, where the website was easy to use but the mobile app required constant app updates.
Account was flagged for fraud so often that I eventually gave up and switched to a different bank entirely last year.
Fee free ATM network covered me on a road trip across four states without a single out of network charge.
Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it.
Customer service rep stayed on the line until my wire actually hit the recipient account on the other side. Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant. Loan servicing portal clearly shows principal, interest, and escrow splits for every monthly payment I make. Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch.
Customer service kept transferring me between departments and nobody ever took ownership of the actual issue.
Had to escalate to a state regulator before anyone at this bank would actually look at my complaint seriously.
Low spreads on major currency pairs and no sneaky conversion markup on top for international wire transfers.
Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess.
Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Depositing a paper check through the camera has worked every single time without rejections or hidden delays. Signing up for the Roth took about six minutes and the first contribution cleared the next business day.
Loan officer promised a rate lock in writing, then came back later claiming the lock was never actually submitted. Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time.
Pricing on spot crypto trades is transparent and the maker fee tier dropped as my monthly volume climbed. Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio. Business line of credit was approved based on actual cash flow rather than only backward looking tax returns.
Secondary market for fractional bonds works smoothly and spreads are tighter than I expected for retail orders.
Really like that external transfers can be scheduled recurring without needing a separate bill pay module.
Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office.
Credit card accepts Apple Pay and Google Pay provisioning immediately on approval rather than days later. Setting up automatic transfers between checking and savings took about a minute from the mobile app. Instant funding for new accounts meant I could trade the same morning I opened the brokerage online.
Business line of credit was approved based on actual cash flow rather than only backward looking tax returns. Compared half a dozen banks on fees and this one came out ahead by a meaningful margin on every category.
Business credit card perks actually align with what a small business spends on, like software and online ads. Phone agent took ownership of my issue and followed up two days later to confirm it was fully resolved.
Setting up automatic transfers between checking and savings took about a minute from the mobile app.
International travel debit charges came through with zero foreign transaction fees for the entire two week trip. Really solid platform for buying and holding broad index funds with no transaction fees and clean reporting.
Statements are formatted so clearly that reconciling to my bookkeeping software takes about three minutes a month.
Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio. Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell. Had to switch banks after moving and the new account was set up and funded within a single afternoon.
Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after. Credit card chip reader works everywhere internationally without the awkward signature dance at every merchant.
Mobile app home screen widget shows balances and spending without needing to open the full app each time. Charts load quickly on the trading desktop even during volatile open and close windows on busy days.
Really solid platform for buying and holding broad index funds with no transaction fees and clean reporting. Pleasantly surprised that the branch manager personally called after a mix up with a wire to apologize.
Investment research includes third party analyst reports without requiring a premium subscription or upsell. Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Opening a checking account took less than ten minutes and the debit card arrived three days later as promised. Pending deposits are released early, often by a full day, which has saved me on timing a few bills. Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit.
Interest on the high yield savings account posts monthly and matches what the website advertises up front.
KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions. Charge dispute credit stuck permanently after investigation rather than being clawed back a month later without warning.
Mobile check deposit cleared the same business day for amounts well above the usual low threshold. Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Dispute process is reasonable, though the time to final resolution dragged on for six weeks in my case. Decent fintech app for everyday spending, but any kind of investment feature feels bolted on as an afterthought. Business banking is adequate, though the integrations with accounting software feel outdated compared to newer fintechs.
Credit score dropped twenty points because this lender reported an incorrect balance for three straight months in a row. Withdrawals from the exchange have been pending for over a week with no explanation and no response from support. Trading commissions are low on paper, but routing fees and other hidden costs make the all in price much higher.
Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit.
Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all. Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin.
Deposited a large check and the funds were fully available the next morning instead of a long ten day hold. Mobile check deposit cleared the same business day for amounts well above the usual low threshold. Mobile app home screen widget shows balances and spending without needing to open the full app each time.
Automatic bill pay missed a payment that caused a late fee, and the bank refused to cover it despite their mistake.
Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes. Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes.