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Its quite difficult for me to describe my experience at the Fairfield Credit Union. What started off as a typical credit union experience turned strange instantly. I walked in to deposit my weekly paycheck into my saving and checking accounts. The cashier was helpful as usual, polite and courteous. I was the only customer in the lobby so there were a few employees walking around. An accounts rep and the branch manager were in a heated discussion and the security guard pretended not to notice. Then all of a sudden a drunk homeless man wondered in and started arguing with the security guard. By far the strangest thing I have ever seen at a bank. Other than the homeless man Fairfield Credit Union is your average CU. Nothing special about them.
This year has been catastrophic for those of us who live near coastal areas. Rainfall and thunderstorms were at an all time high. My family was one of many to lose our house due to severe water damage to the foundation and walls. Thankfully the house was fully insured by New Jersey Skylands Insurance. We were forced to put the family up at a motel for a few weeks while the claims adjuster took his sweet time in getting to our house. The wait was definitely worth it. My house had been entirely paid off and had quite some equity. So the reimbursement amount was slightly more than the actual property value. All in all I’m glad I was insured by New Jersey Skylands otherwise my family would be living on the streets.
I have been an E*Trade customer since the company first became public. Over the years I have accumulated quite a large portfolio and the dividends/ miscellaneous returns have been quite substantial. Instead of siphoning off the new funds I opened an additional account with the E*Trade Bank. The interest rate isn’t very high but it make re-investing the profit much easier. I can manage and transfer money between my saving and checking accounts to the trading account with little effort thanks to the easy to use online banking system. I would highly recommend E*Trade to any future investors. They’re highly reliable and the customer service is great.
Esurance definitely lives up to the name it’s made for itself with its television ads. Getting a quote takes little to no time. The telephone representatives like to get down to brass tax, they ask what you want insured and how much you would like your payments to be. In my case I only requested liability insurance for my car. The rates they quoted me were 30 percent lower than what AAA had given me. I have been an Esurance customer for several months now. Similarly to AAA Esurance provides on the road assistance. I have not had to use their services yet so I cannot attest to the quality.
A few days ago I visited the Associated Bank to open a line of credit. I also discussed the possibility of securing a personal loan, but after reading some of the fine print and shady policies of the institution I decided against it. There was a section that stated the interest rate would be subject to change without prior notice. One of the few things I did not find agreeable. Not to mention the fact that their customer service is the worst I’ve ever had. The representative I had the displeasure of talking to seemed as though he hadn’t slept in days, but lack of rest is no reason to be overly rude.
The Discover card was my first credit card ever and I’m pleased to say I am still a faithful customer almost a decade later. The applications process was easy and within a few days I was mailed a brand spanking new card. I used it for everything: gas, groceries, and bills. Every few months my credit limit was marginally increased. I also have a tendency to splurge online and I’m glad to report that I have never had the misfortune of having false charges made to my card. I did lose my card once but thanks to some excellent customer service I was back to swiping plastic in less than a week.
My wife has been a customer of Zions Bank for several years now and she has no complaints. However she holds no praise for the institution either. Zions Bank has no real competitive banking policies and the employees lack basic knowledge about what services are offered by their employer. The one big upside to Zions Bank, especially if you live on the West Coast, is that there are numerous branch and ATM locations scattered throughout the region. I’m also pretty sure that if you use another ATM (i.e, one from another bank) Zions Bank will reimburse you the withdrawal fee. Overall I would consider Zions Bank a very average financial institution.
With all these winter storms almost behind us I have the misfortune of being one of the few temporarily without a home due to flood. I have always been apprehensive about the rainfall in my area so I made sure that my home owners insurance with 21st Century included flood insurance. The walls and foundation soaked up the water like a sponge and the whole house is currently sagging into the ground. After the initial flooding a claim adjuster was timely in getting to the property to assess the damage. It hurts to see a place you grew up in and a place where you wanted to raise your family reduced to shambles. Thankfully 21st Century has processed my claim and if I’m lucky I will be buying a new house soon. Nothing will ever replace my first home sentimentally, but thank god we don’t have to live on the streets.
I recently was in a massive car wreck. I was sandwiched by 2 cars in front and 2 cars behind. My car was totaled, I had a broken leg and a concussion. Thankfully I was insured by Geico. Whenever I have had car insurance in the past I have always opted for full coverage because situations like the aforementioned are always around the corner no matter how careful you are. My insurance covered a majority of my medical expense as a well as the entire cost of my car. I was even more surprised when my premium didn’t change. I assume it was because I wasn’t the driver at fault. Nevertheless, I’m lucky I walked away from the last crash and I’m glad I had Geico on my side.
A couple years back I started investing and establishing portfolios with several investment firms. Among the financial institutions that I have worked with no relationship has been as fruitful as the one with Morgan Stanley. My initial investment was a little over a hundred thousand when the market crashed. Thanks to some diversification and quick thinking, Morgan Stanley has netted me almost an 800% return. My future retirement and the well being of my family has always been a priority of mine and I feel as though Morgan Stanley understands that to a degree. They may be out to make a quick buck to line their own pockets, but they are also lining mine. The trick with making money through mutual funds, stocks, and options is knowing when to get out. Some people say it’s the same thing as gambling. With Morgan Stanley I feel that the risk of investing is dramatically reduced and I plan on remaining a client for the foreseeable future.
My parents have had an account with First Citizens Bank as long as I can remember. They opened a joint account when they first got married. They’ve also secured multiple loans and mortgages through First Citizens. Their fee structure is more than reasonable. There are yearly maintenance fees and depending on how your account is set up you can avoid overdraft charges. First Citizens bank has done a good job so far answering account questions and resolving any issues that might arise, such as fraudulent charges. I have visited my local branch a handful of times and I have considered opening an account with them for me.
IBC has been a great bank for me thus far from a corporate perspective. Our business requires me to travel internationally on a very frequent basis and it’s nice to have a bank that can not only provide you with foreign currency in advance but traveler’s checks as well. In addition IBC debit/credit cards can be used at almost any ATM in the world free of charge. Some airports get away with charging a ludicrous 2-5% on cash withdrawals and if your withdrawing a couple hundred dollars at a time, it can make a significant difference. IBC’s customer service has always been reliable, and other that losing my wallet once or twice and having to replace my cards, I have never had any other issues.
I have been an ING Direct customer for over ten years. At this moment I have several accounts with them ranging from checking accounts to savings and CDs. Like most other people who have written reviews about ING Direct, I primarily use my accounts here for day trading. I have been playing the market since the early 90s and since I’ve used ING I have never had an issue clearing stocks on the same day. I’ve made a boat load of money thanks to ING and I would recommend them to any small investors out there who are trying to break into the stock market game.
Lately I’ve been looking to invest some of my saving to secure a retirement and future for my family. Paul Randelman Investments came recommended to me by a friend. Over the phone I had mentioned that I was more interested in investing in mutual funds instead of just stocks. When I went into their local office they already had put together a sample portfolio for me. The representative that I spoke with did a good job explaining everything in detail with jargon that I could easily understand. They even went as far as to show me what my projected yearly income would be after adjusting for inflation and various other economic factors.
A close relative of mine just moved to California and he needed to open an account with a new bank. We drove around the area he lived and we saw a Westamerica Bank and decided to check it out. The yearly maintenance fees were pretty low, depending on how much money you had in your account, and you received a free debit card to go along with your account. They issued him a temporary card right away and he received one with his name on it a few days later. As far as I know my cousin is quite happy with Westamerica and he never has anything bad to say when I ask him about his finances.
Walked into to open a few accounts at the Bank of Rio Vista and walked out 5 minutes later in disgust. Maybe it was my fault for going in at peak hours on a Friday, but that does not justify the absurdly rude and racist comments that were being exchanged. Upon entering the facility, what appeared to be the branch manager or assistant manager was “speaking” with a disgruntled African-american woman. The customer was complaining about the excessively long line due to fact that only 2 teller windows were open. The bank employee responded by saying “maybe you should use a bank that serves fried chicken and watermelon while you wait...” I’m leaving out some racial slurs that were made. Overall, I can’t be sure of what Bank of Rio Vista’s application process is like, but their customer service is the worst.
Just opened a new business account with The Merchant National Bank and so far I have no complaints. I scheduled an appointment with an accounts representative ahead of time and filled out an application in advance as well. It took all of 15 minutes to set up a checking, savings, and general account. The transfer of funds from my previous bank also went smoothly. Their online banking makes it extremely easy for me to keep an eye on the accounts on a day to day basis. It helps insure that our books and our accounts actually match up. I would recommend The Merchants National Bank to anyone who has a medium sized business or corporation in the Sacramento, CA area.
Englewood Municipal Federal Credit Union is one of the smallest banks I have ever seen. The institution itself is a not for profit bank, obviously, but it only has a few hundred clients. Fridays are chaotic partly due to the small staff. As a result their customer service is also lacking a bit. I ended up waiting in line for almost 45 minutes before I could meet with one of the loan officers, whose mind was somewhere else. He was “dis-concerned” and somewhat unprofessional. The tellers on the other hand were very nice regardless of how busy or full the lobby got. If you plan on banking with the Englewood Municipal FCU in Englewood, Colorado you’re going to need a lot of patience.
My wife and I just opened a checking and savings account for our son through Wells Fargo. In the past I’ve secured several personal and business loans through this bank. Other than the initial deposit and seven dollar monthly maintenance fees, there are no other hidden costs. The savings account even comes with a reasonable interest rate. This is my son’s first account and he will probably use it for the next ten years or so. The application process was quick and painless since I was already a long standing client. The accounts representative was professional and courteous as always. What more could you ask for in a bank.
I recently visited a SAFE credit union in Sacramento to open a business expense account. I hated this place from the get go. The employees were disorganized and the main lobby smelled like urine. Since I wanted to open a “business account” they tried to have me fill out a lengthy application. Some of the fine print said that I would have to pay maintenance and banking fees. Even before they put the application in front of me I was passed from a teller to an accounts representative to a manager then back to another accounts rep. This place is enveloped by bureaucracy and I would not bank with them.
A few weeks ago my daughter signed up for a checking account at her local Union bank. This week she applied for a credit card also through Union Bank. Within a couple of hours her online application was approved. She received her credit card in the mail a couple of days later. She hasn’t had any issues with it yet and the customer service representatives were very helpful in activating the card. My daughter uses her card every day, since she prefers not to carry cash around. The great thing about the credit card she got is that there is no interest applied to the principal as long as you pay off the card at the end of every month.
I just recently signed up for Progressive Home Insurance. I just bought a new home and the premiums I was paying for my other houses were a bit high. I got a free quote from Progressive and it probably only took 15 minutes. My new premium with Progressive was almost half the amount that it had been with Allstate and 21st century. The coverage was about the same, which really surprised me. So far I haven’t had cause to claim any damages done to my property and hopefully I won’t have to. All the same, it’s good to have insurance in case anything does happen and I am happy to be a Progressive insurance customer.
In light of all the storms occurring lately, I took extensive measures to secure my house. I boarded up windows, placed sand bags around the foundation, etc....Unfortunately the measures I took were not enough. Not only did water seep into my basement, but also a pipe burst (probably from old age and temperature fluctuations). Needless to say half of my house was flooded. Luckily my home insurance covered the damages. Within a few days a claims adjuster came over, he assured me that I would be reimbursed the cost of repairs and in the meantime I would also be compensated so that my family and I could stay at a hotel while the repairs took place. This was the first time I ever had use for my home insurance and I’m glad I was insured through Allstate.
My daughter just moved and we wanted to open a checking account for her that had a local branch. Specifically near her house. Her adventure led us to Union Bank, which apparently specializes in corporate asset management. So I guess I wasn’t that surprised when they really tried to stick us with a buttload of fees. The tellers and representatives act more like salesmen. Their customer service is a joke and their facilities are poorly maintained. Their security, or lack thereof, would make most of us laugh. An 80 year old “rented” cop isn’t going to do much to stop an assailant. Back to the point, I would not bank with Union Bank even if it was my last option.
In the past I have used Charles Schwab to manage my assets and stock portfolio. I recently had my 30 year mortgage restructured. I’m pleased to say the process was smooth and painless. The most difficult part of the process for me was waiting 15 minutes to meet with a representative and paying the fee, which is more than acceptable. The employees at Charles Schwab definitely know what they’re doing. They’re quick, effective and above all professional. If need be they are happy to walk you through the paperwork and explain anything that you don’t understand. I plan on continuing to invest through Charles Schwab and I will be having them handle any loans or mortgages in the future.
For the past few months I’ve been visiting a handful of different banks and credit unions trying to find the best loan rates and new member deals. The last credit union I visited was the Sacramento Credit Union. One of the first things about this specific credit union that surprised me was their incentives for clients. Basically they give account holders dividends in addition to other benefits of opening a savings account. The loan officers were professional and they quickly reviewed my proposal and business model. They presented me with a pretty decent interest rate as well. Overall, their customer service seems a bit better than you would receive at larger financial institutions and I would definitely bank with them in the future.
21st century auto insurance was the company that insured my very first car, a 1988 Honda Civic. Although I rarely had issues with the car there was one instance where I needed to be towed. 21st century said that they would only reimburse me for transport limited to a radius of 25 miles. I was nearly 300 miles from home. Putting their ridiculous roadside assistance aside, their premiums were outrageous. I was paying nearly 900 dollars every six months. A bit high considering the car only cost 3 thousand. I never had any issues with customer service. If I ever had questions they were happy to answer them. My biggest issue with 21st Century Car Insurance was their ludicrous prices.
I recently went to a local U.S. Bank to apply for a loan. As soon as I walked in I noticed the facility was in shambles. Paint was peeling of the walls, the carpet reeked and looked like it was growing mold, the air was stale and there wasn’t an employee in sight. I had to tap on the bullet proof glass to get the attention of a teller who eventually called over a loan officer for me. The loan officer in question didn’t really seem all there. He rarely made eye contact, consistently went off on tangents, and in the end he didn’t even let me apply. On the whole I give US Bank two big fat thumbs down.
In the early 80s when I was in the Navy I was stationed in San Diego. I lived off the base with my wife end our newborn. My wife and I opened our first account together at USAA bank. USAA struck me as the “common man’s bank.” There were no outrageous fees for opening new account or ridiculous interest rates. The customer service was beyond excellent and beyond reproach. Anytime I had to visit the branch the wait was minimal with the exception of Fridays. Almost 40 years later we still maintain a saving and checking account. Although I no longer live near a USAA branch, their online banking makes account management a breeze.
I’ve just recently switched insurance providers for my car and I’m happy to report that I am a new Progressive Auto Insurance client. My premium actually decreased while I also received better coverage and more incentives. Before I switched I was spending over two thousand dollars a year per car. Now my premium is about $600 every six months and my coverage has marginally increased. I still get roadside assistance as well. One of the biggest differences between my old provider and Progressive is the customer service. I no longer have to wait on hold for thirty to forty minutes at a time. The representatives are knowledgeable, professional, and very patient.
One of my sons just graduated from Motlow Community College in Tullaholma, Tennessee. While he was attending school he banked with Ascend Federal Credit Union. Once a month I would transfer money to him, for rent and food, from my own bank account. ASFCU makes it easy to transfer cash between different banks with their online banking solutions. My son has never had any problems withdrawing money or getting extra checks when he needed them. He also recently applied for a credit card with Ascend and he has yet to receive it, but he has been extended a $1000 credit line with a very low interest rate. Keep in mind that my son is also unemployed. I would give Ascend Federal Credit Union two thumps up just based on the experience that I have had with them.
While I was a college student at the University of Boulder in Colorado I opened a checking account at Great Western Bank. The reason why I chose Great Western was because they were the only bank nearby that offered free checking. Since that was how I paid all of my bills it was an immediate draw. Their customer service was excellent. The tellers were very patient and courteous. Whenever I ran out of checks all I had to do was make one quick phone call and within the next few days a new batch of check books would be mailed to me. Overall, I had a great experience with Great Western Bank.
I recently paid a visit to the Austin, Texas branch of the Randolph Brooks Federal Credit Union. I’m pleased to say the RBFCU is one of the more “professional” banks that I have dealt with. Not only are the loan officers courteous and well informed, but they are also efficient. The entire application for the loan took less than 10 minutes. They also offered me a very low interest rate. The employees were not dismissive of me, like several other banks were, because of my age. Overall, I would give the entire experience a nine out of ten. I will definitely be going back there and opening a new account as well.
A couple of days ago I went into DuPont Credit Union with a new business plan and applied for a loan. One of the worst customer service experiences I have ever had. The loan officer and branch manager were rude and highly dismissive. If I didn’t know any better I would even go as far as to say the manager was racist. Despite my elaborate business plan and solid strategy I was pretty much shooed out of the door. I don’t think I will be going back there ever again. DuPont community credit union is by FAR the worst financial institution I have ever had the displeasure of going to.
Bank of the West was the first financial institution where I held an account. At the time I had both a savings and checking account. I opened these accounts in the early 90s before online banking existed, in a time where all transfers and withdrawals were usually done face to face or over the phone with a customer service representative. Let me just say that Bank of the West left me with one of the worst banking experiences of my life. Some of the bank tellers barely spoke any English and the line queues were horrendous. There were several occasion where I spent almost an hour in line only to be serviced by someone who was disinterested, rude, and difficult to understand. If you have a choice stay away from Bank of the West.
I have had State Farm home insurance for my main house for almost 10 years. Their plans and pricing are more than reasonable and their customer service is great. A couple of years ago a tree branch fell on my house and caved in a section of the roof. Thankfully a claims adjuster came out within forty eight hours and repairs were quickly underway. Not to mention that my premium remained unaffected. Most other insurance companies probably would have hiked up my rates. Throughout the entire incident I had to spend all of ten minutes on the phone. State Farm has consistently provided me with quality services and I plan on remaining a customer of theirs for the foreseeable future.
I have a few credit cards with Citibank and I have only had 1 issue in the past five years. The rewards incentives are great and the customer service goes above and beyond to straighten out any potential issues you have. The one incident I am referring to is an attempted identity theft incidence. The culprit was only able to charge a $100 or so to the card before the customer service at Citibank recognized it as credit card fraud. Apparently the guy had used my card to make several iTunes purchases and also bought something from Amazon. Thanks to a cooperation between Citibank, Amazon, and the local authorities they were able to track down this jerk to his house. Needless to say he was arrested. Citibank returned all my money. Proud to say I will remain a customer of theirs for a while.
I have been a long time member of AAA car insurance. AAA is by far the best car insurance agency I have ever had. The prices are more than reasonable and their customer service is impeccable. A few years ago I was involved in a three-car accident. I was the car in the middle. Luckily I walked away with a few minor cuts and scratches but my car was totaled. Within a few days a claims adjuster was at my house. AAA paid me more than what my car was worth. I was ecstatic. The benefits of being an AAA member don’t end there. From time to time, I get great deals when I book vacations as an AAA member. I even get half off admission to most theme parks, and since I have six kids it’s kind of a godsend.
Lately I have been posting quite a few reviews on Wallet Hub because I am currently seeking out the best possible financial institution to secure a loan with. So far I’ve only been met with unprofessional customer service and ridiculous interest rates simply because of my age. I have a great credit score and a steady income; however, I am still not able to secure a loan for a business venture. The last bank I visited was Wells Fargo and I am pleased to say that the employees there are truly the nicest bank employees I have met yet. They didn’t keep me waiting for longer than 10 min and the loan officer patiently listened to my proposal. So far Wells Fargo is the only bank to grant me a loan at a reasonable interest rate.
So I am currently in the market for a new house and I have been shopping around for the best loan with a low interest rate. Yolo Federal Credit Union was on my list of banks to inquire. Right from the get go I hated this place. Account representatives are rude and very dismissive. I almost felt as though they weren't taking me seriously. It almost felt like that if I wasn't begging or pleading (which I wasn't) they would never consider my loan. The branch manager was a little nicer, but needless to say the damage had been done. I don't plan on ever revisiting the Yolo credit union, let alone ever opening an account with them.