+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I reside in Illinois and have been using Ashford for quite some time now. I can't speak for their other services, but their car insurance is impressive and does not disappoint. While I've never been in an accident, all my interactions with their customer service have been great. Proof of insurance, receipts, etc, are all sent to me on time when I request them. Their rates are reasonable and the application process was pretty simple. I personally plan on keeping Ashford for some time; it's hard to complain when everything goes well! Bottom line, you can't go wrong with Ashford.
Protecting your home is important. With the economy the way that it is, the smallest of issues can snowball out of control. Your home is an investment and small costs can easily add up. My insurance policy is with Myers/MBC. We've had it for a number of years without much of any issues. However, last year we had an incident with a small fire caused by an electrician. Our insurance company covered the repairs and cost of smoke treatment. While the check wasn't instant, we didn't have to wait too long. Other than some sometimes clunky customer service, I would highly recommend MBC for your home insurance. They have reasonable policies, decent prices, great response time.
Allstate is widely known for their creative commercials and extensive coverage options. While I cannot attest to all of their available insurance plans, I can state I was overall displeased with their service. I used to have standard coverage on my vehicle, which also included towing. Last month, my battery died mid intersection. No problem I thought, I call the company associated with my local Allstate branch. The towing company stated it would probably take those 6 hours to arrive. They seemed overall unmotivated and reluctant. I called my agent and they told me to hire someone else that they would reimburse. Over a month later, Allstate is still giving me trouble over a small towing bill. While their product might be extensive, their service clearly isn't.
The cost of college is no laughing matter. The rate of tuition has sky rocketed in the past year. As an individual with no outside contribution, even with Federal Aid there is a lot of ground left to cover. With plenty of financial institutions out there, I randomly chose Wells Fargo for my student loans. The application was fairly easy to complete, but I have had my fair share of problems. My private college takes payment very seriously. For some reason, Wells Fargo often distributes my payments late. After numerous complaints and attempts to fix this behavior, Iâve yet to see much of a resolution. When my payments werenât late, the remainder of the loan often took weeks to reach my checking account. This was money I needed to cover odds and ends. My advice, avoid Wells Fargo for student loans, there are plenty of other banks to choose from.
As with many big banks, service doesn’t always feel like the banks priority. Bank of America has had its share of bad press in the past few years. While I’m sure those new stories were justified, my experience with the big BoA has been average. By average, I certainly mean not necessarily bad, but not exactly great either. Thankfully, my experience has been limited to only my checking account. Bank of America provides all kinds of incentives and offers the latest in smart phone apps. A big plus for Bank of America is their availability. It’s difficult to not run into one of their ATM’s or locations while you’re traveling. On the negative side however, they don’t treat you fantastically. With smaller/more local banks begging for your business, it may be wise to look elsewhere.
Convenience is the single word that summarizes Chase bank. Living in Chicago, their ATM’s, locations, etc. are everywhere. There hasn’t been a single day where I’ve had an issue finding a Chase. However, convenience also comes with some hidden prices. Don’t get me wrong, their deposit ATM’s are lifesavers. There iPhone app is a breeze to use as well as their online banking. However, don’t use your debit card enough? They charge you a fee. Don’t have a high enough balance (much higher than other banks) there is another fee. This wouldn’t be an issue if it was cut and dry. Their fees are not clear and they never tell you when they are actually charging you. A good bank would help fix the problem, Chase isn’t interested in that. Essentially, take this bank with a grain of salt.
Old Second Bank is a trustworthy and reliable bank. Living in the rural parts of the Chicagoland area, there are a plethora of banks available to choose from. Ever since Iâve chosen Old Second, Iâve had mostly great experiences with them as a whole. They arenât on the forefront of new technologies or crazy new features/services, but thatâs because they donât need to be. Old Secondâs staff has never been anything but friendly and helpful. While needing to use deposit slips and actually finding an Old Second can be difficult, the few times Iâve had problems (lost my debit card, locked myself out of online banking) they have always fixed my issues immediately. Overall, they are fantastic choice for banking.