MH
Mairead HoganVerified
Oct 14, 2026
Mobile check deposit flawless
Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch.
Loan rate they quoted was actually what showed up on the final disclosure instead of a surprise bait and switch.
Business banking is adequate, though the integrations with accounting software feel outdated compared to newer fintechs. Really a middle of the road experience, where nothing is bad enough to leave but nothing stands out either.
Fees are listed in one simple schedule with no asterisks and nothing has surprised me on a statement yet.
Credit card application was approved quickly, but the credit limit assigned felt lower than my profile warranted. Decent experience overall but the app crashes once a week during peak morning hours when I need it most.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups. Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years. Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing.
Trade confirmations arrive instantly and the tax documents are organized perfectly at year end for my accountant.
Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Spoofing filters caught two phishing emails pretending to be from the bank in just the last month alone. Setting up automatic transfers between checking and savings took about a minute from the mobile app.
Push alerts can be fine tuned to only trigger above a dollar threshold, which cut the noise down dramatically. Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration. Fee waiver for the premium account was honored exactly as the original sign up offer described it.
Just moved my emergency fund here and the savings yield beat my old bank by a wide meaningful margin.
Opening a checking account took less than ten minutes and the debit card arrived three days later as promised.
Finally made peace with the fee structure, but new customers would probably find it confusing at first glance. Fine for retirement accounts, but short term brokerage activity surfaces more small fees than I had expected.
Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan. Overdraft was covered with a small transfer from savings instead of a punitive thirty five dollar fee.
BNPL plan was clearly explained, with no interest and no late fees as long as I paid on time.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell. Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season. Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch. My wire transfer to Europe cleared in under an hour and the exchange rate was close to the mid market.
Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle.
BNPL plan reported a late payment to the bureaus even though I paid on time, and getting it removed took weeks. Customer service hours shrunk without warning, and now there is no way to reach a human agent on weekends at all.
Both of us were added to the joint account in a single video call and the cards arrived together a week later. Secondary market for fractional bonds works smoothly and spreads are tighter than I expected for retail orders.
Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Decent app for budgeting, but the categorization engine mislabels transactions often enough that I correct it weekly.
BNPL buy now plan was approved for a purchase, then the merchant could not actually process it at checkout.
Pleasantly surprised that the branch manager personally called after a mix up with a wire to apologize. Loved that the brokerage flagged a wash sale risk before I executed the trade rather than at tax time. Account closure was handled quickly with no retention haggling and the remaining balance was mailed as a check.
Really a nightmare to close this account, with retention agents calling repeatedly for weeks after I had already left. Rewards program devalued overnight with no notice, dropping the point value by more than half across most redemptions.
Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit. Charts load quickly on the trading desktop even during volatile open and close windows on busy days.
Login failures have been constant for three weeks and the only answer from support is to update the app again.
Automatic round ups into savings have quietly built up a surprising cushion over the past year of spending.
Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit.
Interest on the high yield savings account posts monthly and matches what the website advertises up front. Loan servicing portal clearly shows principal, interest, and escrow splits for every monthly payment I make. Credit card chip and tap transactions work overseas without any extra verification pop ups in the app.
Options chain is laid out well with implied volatility and open interest easy to scan at a glance.
Customer support offered to call me back at a specific time instead of making me hold on terrible music. Spoofing filters caught two phishing emails pretending to be from the bank in just the last month alone.
Fee waiver for the premium account was honored exactly as the original sign up offer described it. Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made.
Had a complicated estate transfer and the private banking team handled every piece of paperwork for me. Transfer limits can be raised directly from the app after a quick verification step rather than a branch visit.
Fingerprint login almost always works on the first try and the fallback PIN flow is sensible when it does not.
Interest paid on idle cash in the brokerage sweep is competitive instead of the usual pennies from legacy brokers. Really appreciate that overdraft fees are capped per day and often waived outright on small amounts.
Setting up automatic transfers between checking and savings took about a minute from the mobile app. Customer service rep stayed on the line until my wire actually hit the recipient account on the other side. Investment research includes third party analyst reports without requiring a premium subscription or upsell.
Dispute portal lets you upload supporting photos and documents instead of making you fax them in from a store. International travel debit charges came through with zero foreign transaction fees for the entire two week trip.
Loan payoff statement arrived within two business days of my request, exactly as the website had advertised.
Pending deposits are released early, often by a full day, which has saved me on timing a few bills.
Really like that external transfers can be scheduled recurring without needing a separate bill pay module. Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day.
Really appreciate that overdraft fees are capped per day and often waived outright on small amounts. Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes.
Educational content for new investors is written in plain English without being condescending or purely promotional.
Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration.
Dispute system is useless, with the same canned reply arriving no matter what evidence or documents you upload. Order routing clearly prioritized payment for order flow over best execution on every single large order I placed.
Transfers between my external bank and this one post same day instead of the usual three day ACH wait. BNPL plan was clearly explained, with no interest and no late fees as long as I paid on time.
Had to switch banks after moving and the new account was set up and funded within a single afternoon. Secured card graduated to an unsecured one at nine months and my deposit came back in full the next week.
Credit card application was approved and then rescinded three days later with no appeal process whatsoever available. BNPL plan reported a late payment to the bureaus even though I paid on time, and getting it removed took weeks. Really unhappy with the way they handle disputes, because the burden of proof falls entirely on the customer every time.
Customer service rep stayed on the line until my wire actually hit the recipient account on the other side.