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TD Banks savings is pretty much what everyone has come to expect from a savings account. You put money in and it slowly gains some value as time goes on. .05% doesn't seem like a lot and it really isn't if you just put a hundred bucks in there and wait. If you are savings thousands though for a trip or something big like a house, it starts to add up nicely. Have not had any issue with my savings account with TD and its been up and running for over a decade. Customer support is always top notch and easy to deal with.
I am not even sure how long I have been with TD Bank. I joined long before the name change from TD Bank North. Their customer service is probably the best thing about them. They are always willing to help you out over the phone or in person. The hours are great and even stay open late if you show up late. This is one of their latest "things" they offer. I really have no complaints and have yet to have any issues, well, other then that whole over draft thing years ago which was solved with a civil lawsuit.
Bank of America has been kicking around for a while. It is one of the largest banks in the area. I fear they have led the way in practices most don't agree with. Like another large local bank they have fees they truthfully blind side you randomly and for no apparent reason or warning. I am sure they are in fine print somewhere on the back of some pamphlet that no one really reads. Funny I left Bank of America for another bank not too long ago and the very same thing happened there. The “other” bank now has a civil case against them over it. I will stick to the little banks for now on because the big boys don't play nice.
Merrimack Valley has to be one of the more popular credit unions in this area. The customer service is great. They are all very nice. They are more than willing to help you in anyway and answer any questions you might have. They are local so it was very easy to come and go without going miles out of my way. I honestly have not looked for them in other areas so I can't comment on how convenient it is to find them elsewhere. I did not have any issues with hidden fees and surprises but I have not been there in a while and their fees may have changed at this point.
Progressive, oh where do I start? Their commercial talks about comparing prices with everyone else. I can't imagine them being cheaper for the same coverage. They cost SO much money for what you get in coverage. I will admit it is easy to sign up with them but really who picks an insurance company for that. The claim process is pretty straightforward. They send someone out to assess the damage and give an estimate. This whole part is absolutely frustrating. Anything inside the car damaged or stolen has to have a receipt otherwise you can plan on getting reamed for sure. In short for the amount of money you pay out monthly I would have expected far better.
The location is great. They are very local to start with so I have little issues dealing with any type of travel time to and from. Unfortunately we will be moving further north shortly and this might be an issue at that point. We have not had any issues that I know of with them so I can’t speak of their customer service. I have had people tell me when they had minor issues they were very helpful so I am not worried about it at all. They are not beating everyone else out in the area but they surely are not lagging behind either. I won’t mention another bank’s name but nothing worse than getting hit with an ATM fee not once but twice from one transaction. Call me cheap but it is nice to save a few dollars.
TD bank is ok. As far as convenience and locations go they are top notch. They are really everywhere. It seems though that TD enjoys changing their fine print on a regular basis. First we had issues when they charged a bunch of tiny items like gas and burgers onto the account ahead of the deposit check clearing. This resulted in like $300 worth of $35 overcharges over $10 worth of actual purchases, 30 seconds before $1000 worth of deposits were put in. Whatever… they fixed it and made it right and we never let that happen again. Then a new $15 charge if your account ever drops below $150. Now we just got a mail stating the $150 minimum will be changed to $250. On top of that the account we just opened a month ago for my teenage daughter will now require a minimum and that made no mention of it while we were there opening it for her. To many changes, we have had enough. As far as a bank goes, they work, just keep a close eye on the endless nickle and dime changes.
Geico is a great car insurance. We have had no problems whatsoever. The biggest positive is the pricing. Their prices are so much lower than other companies. Companies like Progressive feel like they severely overcharge for the very same coverage. My experience with Progressive was far different and as a result have switched to Geico. I have been with Geico for years now and everything from the pricing to customer service has been far better and there are plenty of reasons to stay with Geico. I can't however speak of actual claims. Knock on wood, I have not had any accidents since switching, which helps with the pricing also.