Business credit card perks actually align with what a small business spends on, like software and online ads. Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes.
Push alerts can be fine tuned to only trigger above a dollar threshold, which cut the noise down dramatically. Customer service rep stayed on the line until my wire actually hit the recipient account on the other side.
Automatic bill pay missed a payment that caused a late fee, and the bank refused to cover it despite their mistake.
Love how fast travel notifications post, so my card never gets flagged mid transaction while overseas. Rewards program is simple to understand and I actually earn enough cash back to notice at year end.
Fraud alerts caught a suspicious charge on my card within minutes and a replacement arrived the next day.
Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Account bonus terms were changed after I signed up but before I qualified, moving the goalposts out of my reach. Account statements have had calculation errors in two of the last three months, with no apology or correction letter.
Had to switch banks after moving and the new account was set up and funded within a single afternoon. Setting up automatic transfers between checking and savings took about a minute from the mobile app. Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess.
Had my identity stolen and the fraud department made me prove I was myself in increasingly absurd and demeaning ways.
Reasonable crypto exchange for spot trading, though withdrawal fees to external wallets vary without any explanation. Credit card application was approved quickly, but the credit limit assigned felt lower than my profile warranted.
Fee reversal was granted the first time I asked and the rep made a note not to charge me again next cycle. Customer support offered to call me back at a specific time instead of making me hold on terrible music.
Interface for the trading platform is confusing enough that I accidentally placed a market order instead of a limit. Had a six month argument about a double charge that was eventually fixed only after I threatened a regulator complaint.
Credit limit was raised automatically after six months of on time payments without me having to call and ask. Signing documents in app for the mortgage saved me an entire afternoon at a crowded title company office.
Statements and tax forms can be downloaded as CSV, which my accountant appreciated during the last tax season. Easy to toggle paperless statements and to pull two years of history whenever I need them for an audit.
Finally a brokerage that lets you move cost basis in from an outside firm without multiple frustrating phone calls.
Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions.
International travel debit charges came through with zero foreign transaction fees for the entire two week trip. Both of us were added to the joint account in a single video call and the cards arrived together a week later.
Transfers between my external bank and this one post same day instead of the usual three day ACH wait.
Interest paid on idle cash in the brokerage sweep is competitive instead of the usual pennies from legacy brokers. KYC was completed with a selfie and a passport scan in about four minutes with no follow up questions. Mobile check deposit cleared the same business day for amounts well above the usual low threshold.
Low spreads on major currency pairs and no sneaky conversion markup on top for international wire transfers.
Dividend reinvestment plan handles fractional shares cleanly and the cost basis tracking looks accurate across years.
Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after. Really appreciate that overdraft fees are capped per day and often waived outright on small amounts.
Customer support hung up on me twice during the same call after I politely asked to speak to a supervisor.
Depositing a paper check through the camera has worked every single time without rejections or hidden delays.
Statements are formatted so clearly that reconciling to my bookkeeping software takes about three minutes a month.
Platform stayed online through a major market move while a few competitors reportedly went down completely. Had an identity theft scare and the fraud team shut everything down and reissued cards within the same day.
Instant funding for new accounts meant I could trade the same morning I opened the brokerage online.
Options trading commissions dropped to almost nothing without the platform turning into a cluttered unusable mess.
Loan rate was decent, but the fees baked into the APR made the total cost less competitive than it looked.
Platform is powerful for active traders but the learning curve is steep for anyone just getting started today. Fees are reasonable for the basics, but any out of network ATM withdrawal gets hit with a surprise charge.
Statements include a plain language summary of fees and interest paid year to date, which is a nice touch. 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. Mortgage advisor walked me through every closing cost line by line until I actually understood what I was signing. Easy to set per merchant spending caps on the virtual cards, which has been great for monthly subscriptions.
Loan payoff quote was wrong by several hundred dollars and the servicer admitted the error only after I pushed back.
Really appreciate the two factor options including hardware keys rather than only unreliable SMS codes. Business credit card perks actually align with what a small business spends on, like software and online ads.
Zelle transfer went to the wrong person because of a typo and the bank refused to even help me recover the funds.
Charts load quickly on the trading desktop even during volatile open and close windows on busy days. Had to switch banks after moving and the new account was set up and funded within a single afternoon.
Phone agent took ownership of my issue and followed up two days later to confirm it was fully resolved. Advisor meeting was free, had no pressure to buy anything, and I walked away with a useful written plan.
Options assignment handling was clean, with early notice and clear instructions on what to expect at expiration.
Had a complicated estate transfer and the private banking team handled every piece of paperwork for me. Really like that external transfers can be scheduled recurring without needing a separate bill pay module.
Dispute on an unauthorized charge was resolved in my favor within five business days of my initial filing. Settlement on sold shares cleared in one business day and funds were available to withdraw immediately after.
Branch opened a safe deposit box for me the same morning I asked, with no appointment and no upsell.
Account funding from an outside brokerage completed in about four business days end to end with no hiccups. Fingerprint login almost always works on the first try and the fallback PIN flow is sensible when it does not.
Really a disappointment, especially since the marketing promised a modern experience but the product feels decades old.
Compliance team walked me through the beneficial ownership forms patiently and never made me feel like a suspect. Charts load quickly on the trading desktop even during volatile open and close windows on busy days. 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. Interest on the high yield savings account posts monthly and matches what the website advertises up front. Platform stayed online through a major market move while a few competitors reportedly went down completely.
Account aggregation feature pulled in balances from three other institutions without any connection issues at all.
Fraud charge appeared on my card and the dispute was denied twice despite clear evidence it was not me. Mortgage closing costs ballooned beyond the loan estimate and the explanation at the table was essentially take it or leave it.
Educational content for new investors is written in plain English without being condescending or purely promotional.
Great tax lot selection options on the brokerage, including specific lot ID for every sale I have made.
Signed up for a bonus offer and completed every requirement, but the credit never posted and support had no answers. Customer service hours shrunk without warning, and now there is no way to reach a human agent on weekends at all. Debit card has been declined at random merchants with no fraud alert and no answer from support about why.