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I like how they have robust online features that make it easy to evaluate the current state of your finances. The downside is that the usability could be improved, and it's difficult to just scroll through transaction history. They make it very easy to transfer money between accounts though. The web presence is great for a fairly small, local bank. ESL has always been very concerned about security. They monitor transactions and will automatically block your card if they suspect that there are fraudulent activities. While this can be annoying if it's you using the card, it's better that they're too secure than the other way around.
I have USAA for about 3 years now as my auto insurance provider. So far (thankfully) I have been fairly accident free, but about a year ago I hit a deer with my car. I did not call the cops and get an official police report. I started an insurance claim online, and I was called early the next day to talk about the claim. The official police report was not needed. My insurance claim officer helped me set up an appointment for the damage evaluation and was helpful in working around my busy schedule. The evaluation site was very professional and respectable. They gave me an evaluation within 45 min, and I was on my way. The insurance company sent the settlement very quickly, and I had no trouble depositing the check. Very satisfied with my company!
I've had a savings account with Navy Fed for a long time now. I haven't used them as my primary bank, and it's because their online presence isn't as great as I would expect from a big credit union like NFCU. As for in-person banking, it's sometimes difficult to find a branch office in your area if you don't live near a military base, in other words when you're retired or if you're a child of an armed forces member. When I was 19, I applied for an auto loan with NFCU. They wanted a co-signer and my interest rate would have been very high. I was a little disappointed at that, but it's good to see that NFCU is practicing responsible banking.
Financed an auto purchase through Town and Country FCU. I was 19 when I applied for the loan, and TCFCU was one of the only banks that would give me a loan due to my small credit history. Bills have been handled easily using mail in payments. Unfortunately, TCFCU doesn't have a good online system in place yet, however, they are improving the site soon. Online bill payment and auto-payment isn't available yet, but I'm crossing my fingers I'll be able to setup auto payments in the future to save on stamps and envelopes. It's a little disappointing that it has taken so long for them to get a decent site together as most larger banks already have a full featured site. Their current site allows you to see the current state of the loan and project payoff with different terms and payment amounts, which is useful. The other downside to financing my loan through TCFCU is that they make you open a checking account when you accept a loan. The checking account requires $25 to open, so your car purchase will end up costing $25 more if you do not already have a TCFCU checking account. Their receipts are mailed after they receive your payment, but it's a little archaic looking. That doesn't bother me that much.