MS
Mia SchwarzVerified
Oct 14, 2026
Travel benefits are generous
Platform stayed online through a major market move while a few competitors reportedly went down completely.
Platform stayed online through a major market move while a few competitors reportedly went down completely.
Had an unauthorized ACH debit hit my account and the bank sided with the merchant despite my clear documentation. Dispute system is useless, with the same canned reply arriving no matter what evidence or documents you upload. Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old.
Fraud charge appeared on my card and the dispute was denied twice despite clear evidence it was not me. Lost access to my own account because of a two factor authentication loop that nobody at support could unwind. Mortgage servicing transferred three times in two years and each new servicer lost paperwork from the previous one.
Mobile check deposit is convenient, but the daily and monthly limits are low enough to force occasional branch visits.
Withdrawals from the exchange have been pending for over a week with no explanation and no response from support. Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it. Statements show fees for services I never signed up for, and the opt out link in the app does not actually work.
Credit score tracking is built directly into the app with no upsell to a paid monitoring service. Customer service answered on the first ring and resolved my dispute with a provisional credit the same afternoon.
Branch staff were openly rude and dismissive when I came in with a legitimate problem about a lost wire transfer.
Statements are clear enough, though the mobile app shows transactions in a different order than the website does. Had a mixed experience, where the website was easy to use but the mobile app required constant app updates.
Setting up automatic transfers between checking and savings took about a minute from the mobile app. Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Everything about the checking account is fine, but the savings yield has not kept up with recent rate hikes.
Options chain is laid out well with implied volatility and open interest easy to scan at a glance. Branch staff remembered me by name after two visits and the lobby wait was consistently under five minutes.
Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls. 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.
Checking account was closed without notice because of so called suspicious activity that was just my normal paycheck. Debit card chip failed within three months and the replacement took almost two weeks to arrive by mail.
Rewards points are easy to redeem and the statement credit posts within one billing cycle every time. Chat support solved a Zelle issue in under four minutes without transferring me three times across departments.
Account was flagged for fraud so often that I eventually gave up and switched to a different bank entirely last year. Had my identity stolen and the fraud department made me prove I was myself in increasingly absurd and demeaning ways.
Credit limit was slashed without any explanation after a full year of perfect on time payments on every bill.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Really appreciate that overdraft fees are capped per day and often waived outright on small amounts. Customer support offered to call me back at a specific time instead of making me hold on terrible music.
Had a six month argument about a double charge that was eventually fixed only after I threatened a regulator complaint. Credit limit was slashed without any explanation after a full year of perfect on time payments on every bill.
Fees are listed in one simple schedule with no asterisks and nothing has surprised me on a statement yet.
Charges are mostly transparent, though the paper statement fee was buried in a mailing most people would ignore.
Risk analytics in the brokerage dashboard flagged a concentration I had not noticed on my own portfolio.
Had my identity stolen and the fraud department made me prove I was myself in increasingly absurd and demeaning ways. Mobile app crashes on launch half the time, forcing me to reinstall it or clear data just to get in.
Love how fast travel notifications post, so my card never gets flagged mid transaction while overseas. Account aggregation feature pulled in balances from three other institutions without any connection issues at all.
Had a complicated estate transfer and the private banking team handled every piece of paperwork for me.
Virtual card numbers for subscriptions let me cancel anything I want without updating a dozen different merchants. Signing up for the Roth took about six minutes and the first contribution cleared the next business day. Had to switch banks after moving and the new account was set up and funded within a single afternoon.
Automatic round ups into savings have quietly built up a surprising cushion over the past year of spending.
BNPL approvals showed me the full repayment schedule up front with no surprise balloon payment at the end. Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day.
Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week. Customer support offered to call me back at a specific time instead of making me hold on terrible music.
Decent app for budgeting, but the categorization engine mislabels transactions often enough that I correct it weekly.
BNPL plan was clearly explained, with no interest and no late fees as long as I paid on time. Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store.
Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days.
Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old. Rewards program devalued overnight with no notice, dropping the point value by more than half across most redemptions.
Mobile app home screen widget shows balances and spending without needing to open the full app each time.
Business line of credit was approved based on actual cash flow rather than only backward looking tax returns. Mobile app home screen widget shows balances and spending without needing to open the full app each time.
Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Business banking tools include invoicing and bookkeeping exports, which saved me from paying for a separate app. Finally found a crypto exchange where withdrawals arrive on chain within minutes rather than being stuck for days.
Automatic bill pay missed a payment that caused a late fee, and the bank refused to cover it despite their mistake.
Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes.
Statements included interest charges on balances that were paid in full before the grace period had even expired.
Loan officer was helpful during application, but after closing the servicing portal felt like a different company. Dispute process is reasonable, though the time to final resolution dragged on for six weeks in my case.
Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Signing up for the Roth took about six minutes and the first contribution cleared the next business day.
Interface for the trading platform is confusing enough that I accidentally placed a market order instead of a limit.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all. Love how fast travel notifications post, so my card never gets flagged mid transaction while overseas.
Debit card chip failed within three months and the replacement took almost two weeks to arrive by mail.
Lost access to my own account because of a two factor authentication loop that nobody at support could unwind. Really regret opening this account, because the fee schedule was fundamentally different six months after I joined.
Had a replacement card locked immediately upon activation and spent over an hour on hold just to unlock it. Wire transfer was lost somewhere in the correspondent chain and nobody at this bank even tried to trace it.
Customer service rep stayed on the line until my wire actually hit the recipient account on the other side.
Overdraft fees stacked on top of each other for a single bad weekend to the tune of over a hundred dollars. Fees doubled quietly after a terms of service change that was buried in a long email most customers would ignore.
Really appreciate that overdraft fees are capped per day and often waived outright on small amounts. Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin. Credit score tracking is built directly into the app with no upsell to a paid monitoring service.