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I have had an account with Wells Fargo for a long time. I only use this particular account to pay bills with, so I only keep the amount needed to pay those bills in this account. When they started charging for the account, I had an issue because I never keep a daily balance of $1500, and I also don't have direct deposit through my work. This was a problem because those were the requirements needed to have the account and not be charged the monthly fee. My employer will not participate in direct deposit, so I called the bank and they were very helpful in my case. Great account to have!
I have been a customer with Community Bank and Trust for a few years now, and they are a lovely bank! Always friendly, ready to help and answer any questions that I have. It really does feel like a small community bank. They have very fair interest rates and fees. I love that they have free checking with no minimum balance or other restrictions, because that is very hard to find these days. They also have plenty of options for all of your banking needs! I would recommend them to anyone!
I have been a customer with Wells Fargo for about 5 years now. They are a very good bank, and I've had mostly good experiences with them. Their interest rates and fees are pretty fair. The only thing that I wasn't happy about was when they started charging for a checking account if you didn't have Direct Deposit or a certain amount for a daily balance. I did have to close my personal small account with them, because neither of those options were possible with that account, but all of the rest of mine and my husbands accounts are still with them. They always have good customer service, both on the phone and in person. Overall, a great bank to be with, and they have options for all of your banking needs!
The Banana Republic card seems like a pretty good choice, especially if you frequent the stores where you receive more points on purchases (Old, Navy, Banana Republic, etc.) I do like that it offers a rewards program. The interest rate is pretty high, but most cards like this usually do have a higher rate. And you can use this card in other stores since it is a Visa, unlike other high interest store cards. For example a Best Buy or Victoria's Secret Card would have a high rate and reward program, but those you can't use in many other places. This definitely has some good perks!
I have always had great experiences with Florida Credit Union. My family has banked with them for quite a few years and have always had wonderful customer service, and every time I have gone into a branch, the people there are friendly and very willing to help answer any questions that I had. I never feel rushed. I love that they do not charge a ton of different fees, especially just one to have a checking account. I have run into that at other banks, and no fees is just awesome! The only thing that I wish, if I were to change something, is that I wish there were more branches further south into the Belleview/Villages area. That would be much closer to home. But they are worth the drive, so it is alright!