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I had no real problems with Bank of America's savings account. I know you hear a lot about B of A being bad but, at least for simple banking, there were no problems. I do most of my banking online and rarely go into the branch so I can't say much about banking in person. Online though worked great for me. I sometimes forget to transfer money from savings to checking so I liked that by default my accounts were set up to automatically transfer money from my savings to my checking if I was short there. I try to stay on top of it but I have my bills set to autopay and sometimes I forget to check to see if I have enough to cover them. Bank of America never gave me problems. I did have another bank I used that somehow found this behavior annoying and complained to me but not B of A.
First let me say that I never had any actual problems with Travelers. The rates were fair, never had any problems with billing or anything of the sort. I made no claims so I cannot say anything about that, but I have no reason to believe that they would not perform if I did need them, other than what follows. . My problem stems from being a responsible firearm owner. I was a Travelers customer for over a year when I found out from a friend just over a casual discussion that they specifically do not cover guns. Personally I think something like that should be made very clear when you sign up front. Owning guns is completely legal, it's not like I was doing something shady, I had a hobby that consisted of expensive equipment that was never covered. You could say that this is technically my fault for not reading a long legal document and if you read yours cover to cover then fine. But my guns are completely legal, and a favorite hobby/investment. It would have been a huge problem had anything happened to my home to find that thousands of dollars of my stuff would not be covered for no real reason other than the company didn't approve of something legal I liked. If you don't have firearms then I can't think of anything wrong with them, but if you do then know you are not covered.
I know a lot of people have had problems with Bank of America and at times I also did not have the best experiences with them. However, when it came to their checking account my experience was quite positive. I generally only do stuff online so I am not that familiar with the in branch experience other than the one thing I'll mention below. For online though, I don't think B of A can be beat. Their website has always been very fast and easy for me to use. The one problem I had was while I was there, the monthly fee changed as did the minimum requirements. At the time I wasn't really using this account much and I had just graduated and didn't have a lot of money. I got a monthly charge for not having enough funds in my account to meet the minimum. Needless to say that this was not something I was happy about. So I went in to my local branch expecting to have to argue and complain and probably close my account and go through the hassle of moving somewhere else. Instead though, I was nicely treated and when I explained my problem, the lady I spoke to said that they understand and that she would refund the charge to my account and waive the minimum requirements for the next 6 months. I think most places provide good service or appear to when everything is going fine, but the way they treat you when something goes wrong is the real test and in that regard Bank of America really impressed me. I especially appreciated that they had flexible enough rules that they could accommodate the speed bumps everyone hits in their life.
I was a Wells Fargo customer for several years and initially I had no problems with them. I really do not know what happened but eventually I started getting letters and complaints from them saying that I was transferring money in and out of this account too often and threatening to close my account. Like I said, I'm not sure what brought this on, my habits have not changed and I was using this account similarly to how I used my accounts at another bank at the same time and they had no problems with it. It did however really sour my relationship with the bank and I left less than a year later. It's not very consumer friendly to threaten your customers in my opinion. I tried to talk to my branch and they weren't sure what the problem was. Customer service was friendly and I believe tried to help but it must have been something with their system and they were unable to even tell me why I was getting monthly warnings. My example might have been some glitch though, I otherwise (for years) had no problems with Wells Fargo so overall I'm willing to give them the benefit of the doubt a little bit.
I have been using this credit union to access an account at another institution for some time before I decided to switch. The way they treated me was the final reason that I went with them. Even though I was not a customer at first, the people were always very nice and helpful. I never had a problem and they were always courteous and welcoming. When I finally decided to switch over to America First for my banking needs the process went well. The only problem I hit a hitch when trying to sign up online and had to go in to the branch to finish up (they needed physical proof of my residency in their area). In all honesty I made the mistake online when trying to sign up, that's why I didn't ding them any stars above for this problem. Either way, it was as simple as coming in and showing my ID at the branch and I was done. Overall it's been a great experience. This is what a credit union should be, when I go in there's a small town, friendly feeling (hard to describe in words) and the people there treat you as if they know you.
About 2 years ago while I was out of town on business, my card stopped working at ATMs. Finally got a hold of someone (not easy to do on the weekend with AzFed) but they could not figure out what the problem was. Finally talked to Visa and they said that the credit union had frozen all ATM use outside of Arizona due to security concerns. That's fine, but how come nobody at the actual credit union could tell me this? I had to borrow money from friends because I could not access mine. That's fine, everyone has their hiccups. But then last year they instituted a monthly fee and conveniently gave just enough notice that I could not get my money out in time and into another institution without paying. I called up to complain about this and was basically told "too bad." Used to be a good institution but something changed a couple of years ago, not sure what led to that change.