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I opened a checking account with Citibank a little over a month ago. I received a debit card, and am very pleased with the service so far. There is no minimum balance required, and no fees. It's almost too good to be true thus far. They have ATM's in every 7-11 I've been in, which makes getting cash at any time very convenient. Customer service online is very efficient, and the associates in the bank are very polite. I give this bank 5 stars, and would recommend them to anyone who wants to open a checking account.
TD Bank is a great bank to be a member of when looking at getting a checking account. They have a large number of branches that offer many ATM, and other services. I recently just applied for a checking account, and a debit card. I was able to finish this process with ease, and have enjoyed my experience so far. The customer service both in the branches, and online have been more than courteous. I have experienced a problem logging into my account online, but with 24/7 customer support I was able to check my balance anyway.
This card has some serious Upside, but also some downside as well. Let's look at the things I like most about the card first. There is no activation fee, which is awesome. There is no credit check, and they offer direct deposit. That is about all the upside this card has to offer. The negatives outweigh the up in my opinion with a 4.95 a month fee, a $2 check writing fee, and $1.95 to get money out of the ATM. This is not a bank card, and it can hardly be called a debit card. Comparing this to my Citibank debit card, which has no monthly maintenance fee, no minimum balance, no charge for checks, and no charge for using the ATM. I think I will stick with my Citibank card, and leave this one for anyone who can't get a checking account.
I called Farmers just to compare an auto insurance quote on my vehicle a few months ago. I ended up getting a fair quote, and finalized an auto insurance policy. The policy saves me several hundred dollars for the year. I had such an easy time getting my auto insurance coverage, that I am now looking into home insurance policies. Farmers is very pleasant to deal with over the phone, and the disclosures are explained well in bold ink. I don't have to go searching the fine print to see what is covered and not covered. They have already covered me on some hail damage, and sent me a check without raising my coverage. Now this is a company that understands me, and I appreciate their service.
I just received my Citi Simplicity card a few weeks ago. This card is exactly as advertised, because it is very simple. I don't have to worry about a bunch of extra fees. I can use it anywhere, and I am a very happy customer. Out of all my credit cards this one is by far my favorite. Citibank has simply outdone itself with this credit card. I award the city simplicity card 5/5 stars overall. I would advise anyone to find a card that is more forgiving out there, and presents the user with lower fees. If you do find a better credit card, I would be extremely surprised. Having experienced getting a fee from being one day late, and knowing there is a forgiveness with this card is a huge relief. If you do not currently own one of these cards I would suggest you get the Citi Simplicity credit card now.
I had the pleasure of working with some really great people at FedFinancial Credit Union. Out of the several other banks I called for a car loan, FedFinacial quoted me at the best interest rate. For my car loan they were willing to give me a 1.99% A.P.R., which is considerable better than any other banks or credit unions were willing to do. The application process was a breeze, and I have had no problems dealing with them. I'm going to go buy my new car in a few days, and couldn't be more excited to have dealt with such a pleasant group of individuals or company.