Review Time
Supposedly a near 5 star bank (not) but too many steps and errors that dont allow you to open an account and no reasons given, you have to guess and figure it out on your own. I rate this bank a 1 star. I am sticking with my current bank.
Customer Service is awful. They huff and Puff on the phone just asking you questions to verify. I opened a High yield Account and took 10 days for my money to go through. They hire from the hood. so, everyone on the phone talks to you like you're from the same neighborhood. No Excitement, condescending and just out right disrespectful. You need to request a debit card by the way when you open a checking. they will not just make you one. as they say.
I wasted almost an hour trying to open a high yield saving account with this bank. I have a perfect FICO score and several online bank accounts and after 3 phone calls and 4 times filling out their application online, I received an email denying my saving account. I AM TRYING TO PUT MONEY IN YOUR BANK!!!! How dumb are they to refuse a saving account??
I had a CD (Certificate of Deposit) account for 6 months which was due to mature in December 2023. I called in advance of this to open a new CD account, because the new rate was significantly higher than the rate I locked in previously. I was told by the rep that it wasn't necessary to open a new account, because if I just allowed my existing account in place after maturity, it would "automatically renew at THAT rate". Suggesting that the account would automatically qualify for the higher rate. So, based on the leading word of the customer service rep, I did not open the new account. Low and behold the rate on their CD then dropped, and so my account rolled over to a lower rate than the one I would have had if their rep had not meddled and provided me with misleading information. I relied on the guidance of their rep and I got burned as a result. When I raised this with them as a complaint, they reviewed the situation and the call and their resolution was to deny me of matching my CD at the higher rate and stating that the representative did not tell me not to open a new account. I agree with the fact that she did not tell me not to open an account, but I maintain that her advice caused me not to open the account because she told me I didn't need to. That's a direct consequence. Due to the timing of my complaint, their delays in addressing the complaint, and then rolling into the Christmas holidays, my account fell out of the "grace period" and now if I wish to close the account before June 2024, they want to charge me a $2,000 penalty. I don't consider this a fair business practice at all.
The worst. stay away. !!! Made a $2000 transfer and they took $4000 and refused to reverse it -very scary. When you call they give you a song about how they're working on it -over drew my checking and it's been 2 weeks and haven't reversed it. Cant wait to close the account
Great interest rates, excellent customer service and a complex, albeit secure setup process. It's a no frills, few options account, but that is exactly what we were looking for. Just needed a place to park some cash for my mother-in-law at a great interest rate. This was it. Because of the situation we did have to talk with customer service 3 times, but they were more than helpful and courteous. It does take a few days for transfers to process and the transfer limits as of November 2023 were sufficient at 150K per transfer and 250K per month. Once set up and funded it's on auto pilot for this account, which again was just what we needed. Now we will Bask in the safe and great interest earnings for her.
Wanted to set up high yield savings accout. Tried for over 35 minutes, the bottleneck was their requirement to upload a photo (taken real time) with their app. The App is a complete failure. Finally called support and they first said the phone was defective however I do all my banking (4 other accounts) including credit cards, etc with the phone. They they said the IOS was 13.0 or better, I actually have 15.7.x How about having the customer simply enter the data you need like ALL the other financial institutions? Big waste of time.
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