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I use the American Express prepaid credit card. I found out about it from an online promotion that was paying $3 to apply. It has a lot of good features including no activation fee and no monthly fee. I use it as a backup credit card for times when I'm travelling or shopping, and something goes wrong with my primary credit card. Although it's a prepaid card, If you use it regularly and keep your account in good standing, you might get an invitation to apply for an unsecured American Express card. You get one free cash withdrawl per month from an ATM machine, which most prepaid cards don't offer. Reloading is free if you do it from your bank account or through direct deposit.
I found out about the Western Union prepaid Master Card from a website that was offering a $2 reward to apply for one, but it's the best prepaid credit card I ever owned. I use it as a backup card in case something goes wrong with my other credit card. The thing I like best about it is there are no monthly fees or late fees. It's easy to reload, because you can do it at any Western Union location. The only fees you have to pay are ATM cash withdrawl fees, reload fees, and an inactivity fee if you don't use it for 120 consecutive days.
I had a checking account with Susquehanna Bank for two years. The first year, everything was fine. After I had had the account open for a year, I started having problems. Every few months, they would put a hold on my debit card to make sure that I was the one who was using it. I had to call the bank and verify my last few transactions to get the hold taken off. This always happened at an inconvenient time, like after I had been waiting on line for twenty minutes to purchase something. I closed the account after this happened a few times, I think they should investigate possible situations like this without inconveniencing customers, since there is an 800 number that customers can call to report a lost or stolen debit card.
I used the Applied Bank Secured Visa Gold credit card because I wanted to avoid accumulating too much credit card debt. My credit also wasn't good enough for me to qualify for the unsecured credit cards I wanted. Using the Applied Bank Secured Visa credit card improved my credit rating. After I had had the account open for about a year, Applied Bank offered me additional unsecured credit. By using a secured credit card, I was always able to pay my balance when it was due each month, so I never had to pay late fees or finance charges. It worked well for me because I wasn't tempted to spend more than I could afford.
I had a checking account with Bank of America for three years. My experience was mostly positive, although there was one negative issue. Being one of the largest banks in the nation, they gave me a sense of security. The only problem I ran into was when I was on a vacation and my account was put on hold. I found out it was because there had been a lot of hotel charges which they thought looked suspicious. It was very inconvenient for me, because I couldn't contact them at the time I found out about the hold, and I couldn't use my debit card in the meantime. I think they went too far in trying to protect the security of my account. Other than that, my experience with Bank of America was good. It was always very easy to get account information over the phone. They made me feel in control of my finances.
I had an excellent experience with TD Bank. The minimum balance required to avoid monthly fees is very low. When a dispute arises, they give you credit right away. I had made an online purchase, and my account got charged by an identity theft company who got my account number at the time I made the purchase. TD Bank provided me the phone number of the merchant who had debited my account, and refunded the money to my account right away before beginning to investigate it. Their customer service phone line is open 24 hours a day, 7 days a week, so you can resolve a problem as soon as you notice it. If your debit card gets lost or stolen, they replace it on the spot at a branch. You don't have to wait to get a new one in the mail. Overall, TD Bank provided the best checking account services I've experienced with any bank.
I had a great experience with the Account Now Pre-Paid Visa card. I was having some problems with my credit, so I needed to use a prepaid credit card. It was easy to use - I could reload it through direct deposit or at a large selection of locations. There is no monthly fee; only the $4.95 initial activation fee. If you cancel your Account Now Pre-Paid card account, you are only eligible to apply for an Account Now Pre-Paid Visa card one more time. The customer service department is very pleasant. They really make it easy to do whatever you have to do quickly. I had fewer hassles with Account Now than I had had previously with banks I had had credit card accounts with.
I've had savings and CD accounts with Chemical Bank for ten years, and they've helped me save money. Their interest rates are very good. I have a Raise Your Rate CD account, which means I can increase my interest rate by up to 1% once during the term of my CD if rates have increased. It requires a minimum investment period of 36 months. You can withdraw money before the end of the term, but there is a fee. My savings account has helped me earn money on my savings. My interest rate is 0.10%, and there are no monthly fees. Chemical Bank savings and CD accounts make it easy to save money.
I've used a Discover credit card for about five years. Since my credit isn't that great, I have a low credit limit. The card really works for me, though. The representatives in their customer service department provide the best service I've experienced with any credit card or bank. They are very pleasant, and make it easy to resolve any problems. I've never had any problems with errors on statements or transactions. All in all, they provide very reliable, accurate service. Their interest rates are competitive, I think. I pay about 5% interest on my past due balance. I especially love the cashback bonuses they give for certain purchases.
Chase is a bank you can count on. They make banking really easy. Every time I had a problem with a discrepancy on my account or trouble with a transaction with a merchant, their customer service department handled the problem quickly and professionally. I never had to dread reporting a problem to an inexperienced, incompetent customer service representative. Every customer service representative I had an encounter with was very knowledgeable about everything that was required to solve the problem I was having. They do have minimum balance requirements, but they are not hard to meet. There are no monthly service fees as long as you keep the required minimum balances in your account.
Citizens Bank is a very reliable bank. I've never had any problems with errors on any transactions in my checking account. Their customer service is excellent, too. They respond to phone calls within less than five minutes, and they can usually answer your questions right away. I think Citizens Bank is one of the most efficient banks I've ever had a checking account at. Their fees are very low as well. I would recommend this bank for anyone who just wants a basic checking, savings, or CD account. When my ATM card was stolen, they sent me a replacement card in three business days, and I didn't even have to go into a branch to activate it. They really make banking easy.
Wells Fargo has provided me with the best customer service I've experienced with any bank. I have a checking acount and a savings account with them. I use a debit card linked to my checking account. They are very reliable as far as reporting all transactions accurately. When my wallet got stolen and I had to cancel my debit card and order a new one, there was no hassle. I just called their 800 number reported it, and I got a new one in the mail within five business days. I would recommend Wells Fargo for anyone who just wants to use basic checking and savings services.