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I've had a savings account with Bank of America for over 10 years now. When I first started, it was due to a feature they no longer offer (that I know of, as it has stopped happening on my account). Every transaction with your debit card resulted in funds automatically being rounded up to the next dollar and the difference between that amount and the actual transaction transferred to your savings account. As a result, I built a nice savings balance without much effort on my part. I have automatic transfers set up from my checking account to savings, and when it gets to a certain amount I move it to a savings CD. The rate on the CD is much better than that of the regular savings account, but the funds are not as easily accessible. Because of this, I enjoy those options. It feels good knowing money you would just have sitting around gaining interest can gain a bit more when transferred over to another savings product with a higher rate. All in all, I'm satisfied with my Bank of America savings account. I just wish they'd bring back the transaction rounding.
Patrick is a very hands on agent. In January of 2013 I was involved in a minor fender bender with my neighbor at the bus stop. Luckily, we both have Gieco for insurance, so we knew the claims process would be fairly simple as we were working with the same company. I contacted Patrick and let him know of the situation. Patrick was very helpful in assisting me with how to start the claim, even though I was not at fault. Because of his assistance the process was as seamless as one could hope for. I met with an adjustor and had my check in hand the next day. Patrick also assisted me with combining my renters insurance with my policy for a discount on those services as well. For the same fee I paid Liberty Mutual I was now getting almost double the amount of renters insurance which was great as I had just purchased some new items and needed to adjust my value.
I recently joined SECU and have been happy with the service provided. I am also a member at NFCU so I have another credit union to compare the services to. So far I have only used their banking features as I am a fairly new member. But, the sign up process was a breeze, and the rep helping me get everything verified was a doll. I was allowed membership due to my parents having accounts. My mother is now married, but I used her name on my application which is now different than the name listed on my birth certificate. I thought this was going to cause problems, but there were no problems. So far each time I've contacted customer service the experience has been nothing short of stellar. I plan to expand my lines of business with SECU soon and hope to report another glowing review.
I gave Liberty Mutual 3 stars due to my experience. I started with them under an umbrella policy for both my renters and auto insurance. I chose Liberty Mutual due to my license being suspended and they were the cheapest reputable company that would insure my vehicle, which I owned free and clear. My service with them was great. I had all of my questions and concerns answered and they were helpful. Once I obtained my driver’s license back and my record was clear of the charges that were there, I contacted Liberty Mutual to see if my premium would be reduced due to my points on my license being removed and me now being a licensed driver. They did not reduce my rate, so like anyone else, I shopped around. I ended up switching to Geico and honestly went from over $100/month (the cost of driving on a suspended license and getting caught is pricey) to only $68 a month. This is where my bad experience with Liberty Mutual came in at. I contacted them via phone to advise them I was switching carriers. Of course you can't cancel like that. Once you're assigned a new carrier you're given a form to send your former company to advise them of your new policy. I mailed this with delivery confirmation to the address given by the representative and it was verified to be delivered. I received a notice in the mail about my premium not being paid, but chalked it up to my cancellation information and the notice crossing in the mail. But then I received another a month later. I contacted Liberty Mutual and they claimed to have not received it, despite my delivery confirmation showing otherwise. I resent it with the same results. To this day I am still getting letters threatening to send me to a collection agency for nonpayment and them wanting their money. Up until my cancellation my experience with Liberty Mutual was excellent. But, due to the hassle of trying to get out of my policy the correct way I am no longer satisfied with their services and would not recommend them to others as I would hate for them to go through that process.
I joined Navy Federal Credit Union in 2010 and it was one of the best financial decisions I have ever made. I initially started out using Navy Fed as a bank only for my checking and savings account. Earlier this year I decided to purchase a new vehicle. I shopped around for rates, not even considering Navy Fed as a possible lender. While at the dealership they quoted me a price I did not like, so I was ready to walk away. The salesman asked if I was a member of Navy Federal. Long story short, I contacted them from the dealership and they not only approved me for more than I needed, but also approved at an interest rate almost 8 percent lower than the dealership. The payments are debited right from my account, so I don't have to worry about remembering to send them in. I have had nothing but good experiences with this credit union, and will continue to use them in the near future for all of my banking and financial needs.