+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
We've been with this credit union for 7 years now (paycheck of my SO goes there and I handle her finances) and it's been smooth cruising. I can't say that we've had any outstandingly complicated problems to solve with them but standard stuff has been handled well. They offer fairly bad rates, to the point where I would say rather non-competitive, especially for a credit union, but have excellent bill payment service. They have a tiered benefit structure, defined by how much assets you have with them, that applies to such things as how many ATM fees they will reimburse and how much you will pay for wire services. The bar is set ludicrously high for most people. There are better things to do with 30,000 dollars than leaving it in your bank. Recently they've introduced check scanning software for android smart phones, but it has crashed on both my HTC and Nexus 7. Not too splendid for a 'Technology' credit union. Expect reliable, but not outstanding things from them.
I have had an online checking account that offers interest with Capital One for about 2 years now. This is my secondary account and the main reason I opened it is because Capital One is virtually the only bank who does not charge international transaction fees. I travel to Europe on a semi-regular basis and have found that Capital One, due to their presence in the UK, will give you not only transaction fee free use of their debit card all over Europe but also offers extremely competitive exchange rates. The only slight drawback is that you have to call in to announce your travel plans – they don't have an online option for that. I have had a few minor disputes with purchases made in France and was completely satisfied with how they handled and resolved those. Their online bill payment service (free) seems pretty good to me, although I only use it for paying my credit card. So far I have never been charged a fee for anything by Capital One, and that by itself is rather satisfying.
While I realize that the customer service experience varies greatly according to the agent you end up with, I imagine my satisfaction with State Farm to be at least somewhat representative. Apart from the cards for Thanksgiving and Christmas (which are a nice touch, but I'd rather have it off my premium, thank you!) they try their best to make interaction as personal as they can – remembering your first name, car and other details. I have been with my agent for 7 years now and every change in policy and administrative task has always been taken care of within the time they stated it would take. But again, that's a personal experience. What is not is the fact that my premiums have been going down steadily ever since I started out with them. This, of course, is partly due to a good driving record but just as much to State Farm's loyalty program. I am paying less than $300 for standard insurance a year now and that, for the majority of clients, is what counts most after all!
After running the gauntlet of various online banks that got bought up in quick succession I ended up with First IB of Indiana in 2001 and I have never had a reason to part with them. The application process was rather tedious given how easy it was to get an account with an online bank back then, but I had the impression that they did this to separate serious account holders from interest rate hunters (back then, they offered initial 6% interest on checking). The core criterion for my positive rating is this: - I have never, in the 12 years I have been with them, been on hold for more than a minute. Their customer support is excellent, much, much better than anything I have experienced at any other bank that I am reasonably familiar with. Every issue I ever had was resolved within maximally 48 hours, no matter whether I initiated contact by phone, email or chat. This goes for questions as various as international transactions, cashier's checks, issues with automatic billing payees, credit card coverage and check deposit. They have been one of the first banks to introduce check deposit by scanning (iScan) and again, in the 3 years I've been using it there was never an issue. My subjective feeling on the attractiveness of their credit card / ATM offers is that they do not want to put much effort into that side of the business. Don't expect great reward programs here, it is all about prompt problem resolution and a smooth banking experience.