Fritz AllenOn the record
Filed Jun 30, 2021
4 / 5
Finally a card that works
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. App is clean, no popups trying to sell me a credit card every time I check my balance.
Great.
closed my account because I didn't use it for 11 months, no warning email, just a letter two weeks after the fact.
The chatbot is useless and the human it hands you off to has to ask every question again from zero.
Mobile check deposit worked on the first try with my cracked phone camera, miracle.
Nope. quoted me £89 as a late fee for a payment that cleared on the due date, took me 3 weeks of emails to reverse.
They lost my wire for $8,200 and spent two weeks telling me it was my receiving bank's fault, it wasn't.
They sent my new debit card to an address I moved out of in 2023 even though I updated it twice online.
Avoid. Scam alert.
Their insurance covers alot of stuff on paper but when I actually claimed for a cracked windshield it took 6 weeks to get $280 back. Could be worse honestly. Credit limit increase went through same day which was nice, then they randomly dropped it two weeks later with zero explanation.
My overdraft got waived twice this year because I asked nicely, try that at a big bank haha. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.
They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Great.
App is clean, no popups trying to sell me a credit card every time I check my balance. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
Branch closed at 4pm sharp while I was standing at the door at 3:58 and the manager waved me away. Hold music is literally the same 14 second loop and I counted because what else was I going to do for 51 minutes.
They refunded a double charge from the taxi without me even having to upload a receipt. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print.
Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold. Got pre-approved for the mortgage in a day and the rate lock held even when markets moved.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild. Credit limit increase came through automatically after 6 months of on-time payments, no application.
Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. Switched from my old bank in July and I'm honestly mad I waited this long lol.
signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. deposit cleared same day instead of the 3-5 business days nonsense I'm used to. Closing on the house happened 9 days early because the loan officer actually answered emails.
deposit cleared same day instead of the 3-5 business days nonsense I'm used to. signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops.
Switched from my old bank in July and I'm honestly mad I waited this long lol. Travel insurance paid out $1,840 for a cancelled flight within a week, I almost fell over. Mobile check deposit worked on the first try with my cracked phone camera, miracle.
Credit limit increase came through automatically after 6 months of on-time payments, no application.
Got pre-approved for the mortgage in a day and the rate lock held even when markets moved. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege. Was expecting the usual runaround but the woman I spoke to, Marisol, actually knew her stuff. The chat agent definately knew what she was doing, fixed my joint account access in under 10 min.
Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. They refunded a double charge from the taxi without me even having to upload a receipt.
APR came in at 6.1 which my credit union couldn't touch and the paperwork was done by Thursday. Closing on the house happened 9 days early because the loan officer actually answered emails.
the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday. App is clean, no popups trying to sell me a credit card every time I check my balance.
They froze my card at a gas pump in the middle of nowhere because buying $31 of fuel is apparently suspicious behavior now.
The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing.
I like the physical card design and tap-to-pay works everywhere but the online banking UI looks like 2011 and the search bar never finds old transactions. Mortgage team was great, super responsive, but the servicing side after closing is a different company and they lost my autopay setup twice.
Branch staff are lovely, the woman at the counter downtown always remembers my name, but phone support is outsourced and painful.
Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook.
The woman at the counter, I think her name was Lara, stayed past close to help me with a stop payment. Dispute on a $120 subscription I never signed up for was resolved in 48 hours, money back. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
They lost my wire for $8,200 and spent two weeks telling me it was my receiving bank's fault, it wasn't. Nope. Never again.
Had my identity stolen month-end and the fraud team called me, not the other way around. Got approved for the auto loan in like 12 minutes at the loans desk, the agent was shook. No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
Avoid. Scam alert.
My overdraft got waived twice this year because I asked nicely, try that at a big bank haha.
I called about a weird $8.50 fee and the rep just reversed it, no fight, no manager escalation nothing. The branch on 5th was actually open at 6pm and the manager stayed late to notarize my docs. Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
They waived the wire transfer fee because I'm a long-time customer, didn't even have to ask twice. Great.
App is clean, no popups trying to sell me a credit card every time I check my balance. the app flagged a charge I didn't make at a gas station in Ohio and had a new card at my door Tuesday.
my dispute got closed with no explanation and when I asked why they told me to refile from scratch. idk how a transfer to my own account at another bank takes four business days in 2026 but here we are. Nope.
They refunded a double charge from the taxi without me even having to upload a receipt. Rates on the HYSA bumped to 4.3% this month and nobody tried to hide it in fine print. Zelle to my brother in Dallas was instant and free, meanwhile my old bank charged $3 for the privilege.
Hold music is literally the same 14 second loop and I counted because what else was I going to do for 51 minutes.
Transferred $4,200 to my mom on a Sunday night and it landed before she woke up, no sketchy hold.
No minimum balance, no monthly fee, I pay zero to use my own money which is wild.
The app logs me out every 90 seconds and the fingerprint login just stopped working last month with no update notes. Never again.
signed up on a Wednesday and the welcome bonus hit by Friday, no jumping through hoops. deposit cleared same day instead of the 3-5 business days nonsense I'm used to.