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This is for Citizens homeowners insurance, which this insurance company seems to be affiliated on this site. In Florida there are not many choices for home owners insurance and many of us get stuck” with Citizens. We are switching to another company this year because we found another company that services our area. Citizens seems to arbitrarily change rates, rescind credits and are not easy to get a hold of. I gave two stars because, as I never filed a claim, I'll give the benefit of the doubt as to whether they would be ok at that. I can't recommend them. I feel like they are somewhat dishonest, drawing people in with a reasonable rate and springing increases on them. Our insurance went up $800 in the 10 months we've been with them, while filing no claims or making any changes to the home that should have had any bearing on the rates.
So far so good. Capital One is in the process of acquiring a bank where I have had an account for many years. They have let us know far in advance of the switch. If they are true to their word then I will be retaining the benefits of this savings account, including the high interest rate. I appreciate the warning and have had no trouble getting my questions answered from customer service about banking changes. There have been no consumer benefits added that I have seen as yet so that's why 4 stars. I will amend this review if there is a need but as of now I'm happy to be a new Capital One customer.
I don't think there is anything really special about Achieva. They do make it easy to get a loan when you are in need though. I haven't had any really bad experiences but there are not a lot of locations so it can be inconvenient. Also, they have been slowly adding fees here and there, like everyone else and it is getting annoying. They do many types of accounts and are a good fit for some people. I wouldn't warn anyone against them but I wouldn't recommend running out and getting an account unless they have a feature that is right for you. I am thinking of going online for my banking as the fees seem to be less.
When I was a kid my parents always said how great USAA insurance was. We found out just how great when we had a fire that put us out of our home for about 8 months. Not only did USAA respond quickly and courteously to all of our questions and concerns, they got everything they could do for us finished fast. They had the adjusters out fast and helped us to get both the clean up crew and contractors on the job within a few days. They also paid for hotel and home rental while we were out of our home. Based on this experience, they were there when we truly needed them. I would recommend USAA home owners insurance to anyone who is eligible for it.
Synovus Bank's checking accounts are hassle free and easy. It is easy for people who receive the Synovus bank checks to cash them in the bank and they don't have to pay a fee like other banks. This is important to me because I hate for people to get saddled with a fee when they are just trying to get to the money they have coming to them. The customer service is always friendly and efficient as well. In the bank, there is always a greeting and a smiling face. There is nothing that I would say is a con about this bank at this time. If someone asked me I would recommend Synovus to others.
Regions checking is pretty standard, nothing special. I have had some issues lately with the way that checks written are dealt with though. I know that this is supposed to be a security measure but calling every time someone goes to cash a check over a certain amount is annoying. Maybe they could at least keep track of who is cashing them so that the same person doesn't have to stand there, embarrassed, waiting for the teller to call and confirm that they were not trying to steal money. Also, when you write a check, if the recipient comes in to cash the check they are charged a fee. As far as I know they are the only ones who do this. I don't like paying someone for a job well done and if they wish to just cash the check where the check originated they lose some of it. Other than that, no big issues but nothing special.
I have used several Chase cards and accounts over the last few years. They are a large institution and I believe that makes them a good choice for money matters. When I have had the need to contact them they are helpful and resolve my issues quickly. I think for the most part they have clear disclosures but I did have one experience that would say otherwise. I did a balance transfer from my Chase account to another and I found that the fee for the balance transfer was surprisingly high. I knew there would be one but I didn't read the fine print as well as I guess I needed to because my understanding was for a fee that was about a third of the cost. It made the balance transfer 0% interest for a year a lot less of a deal considering that. Otherwise, I would recommend Chase accounts.
My dad set an Orange saving account up for me many years ago and I took it over when I finished school. I love using their savings program because they have a very high interest rate even when you don't have a huge amount in the account. I have since added my husband to the account and created accounts for each of my babies to start them off right. Whenever I call customer service they are pleasant and helpful, resolving my problems quickly. My only complaint is that I had the account for over a decade, added my husband and got booted at the primary so I no longer have access to the tax info. Other than that I have had nothing but good experiences with them for many years.
So far my experience with Wells Fargo has been good. Our mortgage was sold to Wells Fargo a few months ago. Their bills are clear and contain important details of your loan. I like that you can pay online or by mail. The customer service people are pleasant and seem like they communicate within the company. They have a lot of locations in our area and you can go their for answers to questions if you want to meet someone face to face. I would recommend looking into a mortgage with Wells Fargo. Our interaction with this bank has been positive thus far.
I had my first checking account with Suntrust. I was a hard working 18 year old and proudly opened a savings and checking with them. Instead of trying to keep me as a life long customer they made me feel insignificant. I had an overdraft issue because, even though I had a receipt showing that I deposited my funds BEFORE their 2pm deadline, my account didn't have enough for work done to my car the next day. When I showed them they said there was nothing they could do about the fee, which I know is untrue, especially since it was the first time. I said it made me want to switch banks and the cashier said she'd be happy to close out my account right then. I wasn't making a scene, I got the feeling she just wanted to let me know that my business was not worth much to them. I took my money out that day and will never go back. While it was a while ago, they did have free checking and savings which was attractive to me at the time. It's been ten years but I will go out of my way to never use them again because with so many choices for banking I will work with someone who values my business.
I would have to go with just OK for Bank of America since I am reviewing their checking. If I was reviewing their mortgage process it would be negative stars but I'm not. Their checking was easy to use online and I liked having access to the Visa check card. It was free so long as you used direct deposit. Having said that, if you are a teacher, like me and don't get paid over the summer expect to be charged the two months you are not getting the deposits. You can call, explain and they fix it but it will happen every summer because no one at Bank of America communicates with any other department and they don't pay attention to your information unless you OWE them money. I finally left because they were planning to charge for use of the check card, which they took back. They will find some other way to get the fee in. Not bad, but not good either.
I love USAA. I have as many of my personal accounts through them as possible. I use their checking account and I love it. I can deposit my checks via my cell phone and also scan them into the system with my computer. I have access to my account online all the time via mobile or laptop. They are always friendly and helpful when I call and respond quickly to written inquiries as well. I highly recommend them. The only downside to them is that there are no physical banks as far as I know. They have agreements with other though to allow you to use some of their facilities. Additionally, you may use any ATM without fees and they refund fees charged by other institutions up to $15 per month.