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I've had no problems with Wells Fargo Way2Save savings. It has helped me manage my money and set a little aside from checking. Wells Fargo waived the $5 fee for me when I went to the branch store and they set up an automatic transfer from my checking account every month. Every month on the same date they transfer $25 from checking into my WF Way2Save account. On top of that I can easily transfer any amount I want from their online banking portal. I also have my student loans set up to be automatically removed every month from my Way2Save account. Along with the automatic transfers this is one less thing I have to worry about. There is a federal limit of how many withdrawals the bank can allow you to make from a savings account and they are very clear up front in letting you know what that amount is per month, I believe it is 6 or 7 withdrawals. Overall if you are already a Wells Fargo customer I think adding the Way2Save savings account is a great idea.
I chose the L.L. Bean credit card mostly because I found myself shopping on L.L. Bean more often for winter gear and jackets. I've had to return things and pay return shipping, but now that I have the credit card they offer me free returns. The extra 3% I receive on L.L. Bean purchases makes me look to them a little more often now. Their prices can be higher sometimes and the 3% back and free shipping helps a little. They have great quality. My interest rate with this card is about the same as some cards that I have which don't offer cash back perks. The L.L. Bean card is great because it offers me a percentage back on every purchase, even when I forget about it. Seeing that amount waiting for you in rewards is really nice when you have forgotten how much you've earned.
The Capital One Prestige Platinum card is a good card because of the low interest rate. I was given a special 0% introductory offer for new purchases when I used the card. It is also very easy to transfer other balances from other cards using their online method. It's just so quick, and they didn't charge me a fee during a promotional period, to make the transfer which is why I love this card the most. There was space to enter information for more than one card that you wanted to transfer from and they take care of the rest for you. I use this card for automatic payments that are charged to me on a monthly basis. It's easy to keep track of recurring payments with the online tools that Capital One offers.
We have worked with Tammy on a new home loan, as well as a refinance on two other occasions. The most recent refinance was a streamline loan with we qualified for. The process was very quick and virtually painless as far as those things go. She needed few documents from us and was able to tell us which documents she did need in advance. We met with her at the initial consultation and again at closing. She is ALWAYS available for questions via email and never acts annoyed at the smallest question that you may feel uneducated on. We would highly recommend her because she is so service oriented and we feel like we are in good hands.
When we have gone in to update our life insurance our agent has been quick, helpful and informative. We find that the rates are not outrageous and we receive discounts for having our home, life and car insurance with him. We have had issues in the past with reimbursement with regards to car accidents that have left me very frustrated. It seemed like my local agent was dealing with the larger State Farm network and things were moving very slowly, which caused me a great inconvenience. If that were to happen again I would probably reassess our relationship. The whole point on my purchasing insurance is so that when something bad happens it is dealt with quickly. By and large it is nice having an agent I can just quickly drop in on when buying a new car or dealing with changing information. They've also been great when reimbursing us for car towing that we paid for out of pocket.
I've had my Amazon card for about three years now. I originally applied for it because I would be given a $25 discount off of a first purchase, and it is a rewards card, which I didn't have at the time. I had decided that since it had a higher interest rate this would be a great card to have if I paid it off on time every month. I would get 3 times the points for every purchase I made on Amazon. I have accumulated rewards in the several hundred dollar range by this point in time. I cannot say I have always been able to pay it off in time every single month as life happens, but during the times I couldn't I felt like in the previous months the rewards I had received helped offset it. At one point I had my credit card information stolen, or skimmed from a retailers computer that a thief had hacked. I was able to work with Amazon and Chase, who the card is serviced through, to make sure that no information of mine had been gained by the thieves. They locked the card down immediately after noticing suspicious activity. I would highly recommend this card but remember to watch the interest rate.
We've 'banked' with this credit union for years and we highly recommend them. They have always been very friendly and helpful with all of our financial needs. We have car loans with them, and have taken out personal loans as well. The rates are competitive and we have always been approved on the same day, very quickly. Although they are a small town branch, (they also have a branch in Grabill along with the Woodburn location, where we bank at), we have access to ATMs for free through credit unions that are closer to our home. So we have never had trouble gaining access to our money. They offer debit cards, or check cards, as I call them, and credit cards. We have a credit card with them also. I think lately it seems that credit unions are the way to go and I would highly recommend you going to Financial Partners for any needs you have.
I bank with Wells Fargo because it is close to my house, along with an ATM which I need occasionally. I can also make deposits at this ATM and it is quick and easy. For the most part I like their online banking and the ATM. I will go out of my way not to have to use a teller just because it is so much quicker to use their ATMs, which are great. The things I don't like are trying to be sold on services I don't want or need, and the checking fees. I don't have any fees but that is only because my home loan is with them. I feel like I am sort of tied to them for services in that regard. If I go anywhere else I will have checking fees. Overall, everything is just OK. They haven't been bad to me at all as a local branch, and they are always helpful and greet me. I've refinanced with them in the past and it was a slow process with many papers being asked for multiple times. The second time I refinanced for a lower rate years later was much quicker and easier due to a streamlined process, but not everyone is eligible for that.