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I really enjoyed my experience with the ACU Credit Union. They helped me out when I really needed some extra money in order to study abroad, as well as few other small personal loans. The ladies who work there, such as Robin Hardegree, are very kind and helpful. In addition to the great personal interactions I've experienced, I frequently get informative mailers and information about my account. Additionally, the ACU Credit Union has some cool customer programs, such as a Christmas "skip a payment" which allows you to not make a payment in December if you make a small charitable donation. I think if I were going to get another loan, such as a car loan, I would definitely go to the ACU Credit Union.
I love this account! There are no fees at all--no monthly, withdrawal, maintenance, etc. Probably the best thing, though, is the super high interest rate. Our other savings account had about .01% interest, and this one has .9%! That's 90 times better. I'm actually earning real interest now instead of a few pennies every now and then. Other things -- this account was very easy to get, and I manage it completely online through their fantastic website. The only negative, and this really isn't a huge deal, is that it does take a few days for deposits or transactions to post. I wish there wasn't quite as much of a delay. Other than that, it's perfect!
This was the first checking account I ever opened, and I still have it 7+ years later. While there is a monthly fee, it is easily avoided if you have direct deposit set up for your salary. You can also link it to a BofA savings account, and set it to automatically take out savings deposits. This includes Keep the Change, an optional program that takes the extra cents off every debit card purchase and puts it in your savings account. Additionally, you can set up Bill Pay through the checking account, which is very convenient. The customer service for the account has been awesome, too -- typically a quick response, and they have even forgiven an overdraft fee once or twice. I'm very happy with this account. I do wish there was a way to avoid the foreign fees, such as ATM and transactions while abroad. I travel a decent amount, and I end up trying to get cash to avoid most of these fees. BofA does allow you to withdraw cash for no fee if you go to specific banks like Barclays or Deutsche Bank.
The Sony Card from Capital One seems decent, especially since you can also earn points from non-Sony purchases. The tiered points system is kind of like the 3-2-1 system with the Bank of America Cash Rewards card, and I think it makes sense; 5 for actual Sony products, 3 for dining and movies, and 1 for everything else. I also like that it gives an extra 5000 point bonus for signing up. I do wonder how redemption of points works. The description of what you can redeem them for is a little vague, and it's not clear how much each point is worth. Other cards like Bank of America Cash Rewards and Chase Freedom specify that 1 point = $.01 The other negatives are that the APR seems like it could be a little high, and I wish it had a smart chip.
I've had this card for about 3 years, and I really like using it. The tiered cash back system (3% on gas, 2% on groceries, 1% on everything else) is nice, especially since I primarily use the card on gas and groceries anyway. I also got a $100 bonus for signing up! If you get this card, I recommend depositing your cash back rewards directly into another Bank of America account (checking or savings), because it gives you 10% extra if you do that. Applying it to the credit card statement balance is not as good. There is no annual fee, which is great. I've had cards with much worse rewards that charged me an annual fee. Overall, I like it a lot!
This card seems pretty good! I use Amazon a lot so I think I would like using it. The best features are the Amazon gift card ($30) and the cash back rewards. Regarding the $30 sign up bonus, while that's nice, it is a little smaller than some other cards like the Bank of America cash back card ($100 bonus) or the Chase Freedom card ($200). The 3-2-1 points systems seems really reasonable; it reminds me of the Bank of America cash rewards card (3% for gas, 2% for groceries, 1% for everything else). The only negative things I would say are that the APR is a little high, and I wish it had a smart chip on it.
Jeff Dressen was an absolute pleasure to work with. As a very young married couple purchasing our first home, we had very little idea of what we were doing. Jeff approved us when other banks and companies would not due to our below average to average credit. He helped us through each step of the process, and was very patient while he helped us collect all of the paperwork we needed (w2s, confirmation of employments, etc. etc. etc.). He also took the time to explain the convoluted documents we were signing, and made sure we had all the tools to be successful. When a mistake was made and Guild realized they had told us we would owe less at closing that we actually did, Jeff worked with us to correct the mistake at no cost to us. Jeff was efficient, knowledgeable, kind, and helpful. We would use him again at Guild Mortgage in a second.
I love this card. We go to Express all the time, and the rewards are AWESOME. They frequently send great coupons ($50 off $150, for instance) and once you spend enough money, you get $30 reward vouchers. There's even a birthday reward! I will say that it's not worth it if you can't pay off your balance every month, because the APR is high. Also, you do have to spend a good amount to see the rewards add up, but if you are a regular shopper then that is easy to do. I believe you earn 10 points for every dollar you spend. They also upgrade you to the "A-List" card if you spend enough, and then you start to earn 15 points for every dollar. A few months ago, my husband got a beautiful long sleeve dress shirt for $6 because of these great rewards.