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Mike Fay has been our insurance agent for almost two years, and we have been very happy with this office's services. We have both home and auto insurance through this agent, and the prices at State Famr are definitely the lowest in my area. The staff at his office are friendly and helpful. I love that when I do have to leave a message, they call me back almost immediately. While we thankfully have never had to make a claim, I am confident that Mr. Fay and his staff will handle the problem with efficiency. I am currently adding a life insurance policy. Overall, I would definitely recommend this insurance agent.
My husband and I went through Orion Federal Credit Union for our home equity line of credit a few years ago. The application process was fairly simple, although we did have to go through the process of having an appraisal completed. The loan officer who helped us was friendly, efficient and helpful as well. He was able to answer all of our questions, and he never made us feel like we were just another customer. The one problem I had is that the interest rate ended up being slightly higher than the number we were first quoted. Of course, we ended up completing the line of equity anyway, but I felt like the increase in the interest rate could have been explained better. Overall, we were still very happy with our experience at Orion and still have the line of credit open today.
My husband and I have had a savings account with the Shelby County Credit Union for six years. The customer service at this credit union is top notch. The tellers and financial specialists are so friendly and go out of their way to make you feel comfortable. While we only have a savings account here now, we did have a car loan at one time. The rates were the lowest we found in the Memphis area. We also love how easy the application process was for both our savings account and car loan. Honestly, we would move our checking account here, but they only have three locations in our area...and none of them are convenient to our home or work. Overall, I would highly recommend the Shelby County Federal Credit Union to anyone in the Memphis area!
We recently purchased a car insurance policy from The General Insurance for our 16 year old son. He had just gotten his license when he had his first wreck. Unfortunately, the rate from our insurance company was significantly increased. So, the best choice was to buy an extra policy for him through The General. The price was much lower than I expected, especially for a 16 year old with an accident on his record. The application process was fairly simple. However, we did have to send proof of former insurance twice because they claimed not to receive our first submission. It also took almost three weeks to receive his insurance card. Nevertheless, the customer service agents we have spoken to have been very friendly and helpful. I would highly recommend The General to anyone with teenage drivers on their policies.
I have banked with Regions for years, but I recently opened a checking account at First Tennessee because it is closer to my house. While the application process was simple and quick, the customer service at this bank is lacking. The lines are incredibly long, especially during lunch hour and the afternoon. The lines move so slowly, and I have actually waited in line for thirty minutes - trapped in the drive thru. Also, the tellers are not overly friendly. I have also had an issue with customer service reps over the phone. When I called to find out why my check order was delayed, the person was not helpful and I eventually had to speak with a manager. I plan to keep my account open, primarily because these are the only complaints I have and I have a direct deposit here, but I don't know if I would recommend this bank to a friend.
State Farm has the best car insurance rates in my area. I stayed with another insurance company for years because of my home owner's insurance policy. However, I realized I was paying almost double what my friends were paying...and I have never even had a ticket! When I started checking prices, State Farm was far cheaper than other companies. They have excellent customer service, and the application process was simple. I have now switched my home owner's insurance to State Farm as well. I was worried that my premium would go up every six months like it did with my previous company. Well, it has been over a year and my premiums have actually decreased!
I have been banking with Regions for over ten years. While I try to pay close attention to my account to avoid overdraft fees, there have been times when my account has been negative. I am always amazed at how helpful their customer service representatives are when this type of problem arises. A few months ago, I had more than $100 in fees. Even though the negative balance was my fault, the bank refunded almost all of the fees. I also love that many of the tellers at my main branch know my name when I go through the drive through window. It is this type of customer service that has kept me with Regions for so long.