My experience with Raisin has never been great. A customer could have the experience of never having to reach out to an actual person during their customer experience. I've had two occasions when I did need to speak to a Raisin employee. The first was when I was looking for an easier way to transfer money between Raisin banks. While at that time the employee told me I had to transfer my money out to my connected Chase checking account to move it to a different Raisin bank. That has since been changed by Raisin offering their cash account facilitating transfers easier. That was a welcomed change. The other time I had to speak with an employee was when I wanted to designate a non-profit organization as my account beneficiary. My initial request was flatly denied. I had to figure out how to get around that employee to a superior that did help and I was able to designate a non-profit as beneficiary. After which the initial did voice an opinion that I was still wrong. I've also discovered that two banks can be operating under one banking charter, meaning the FDIC insurance is not covered under each bank separately. That could become a problem if a bank were to fail. Other than these instances, the Raisin platform has been a faceless investment platform.
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