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I've had a Union Bank Regular Saving Account for several years and I'm fairly satisfied. It's a basic account but I opened the account because I only needed an initial $50 deposit. They have a tiered variable interest rate so I've earned more money as I've built up my savings. I've kept enough money in the account to avoid the monthly fee which is definitely an added benefit. The only real problem that I've had with the bank is that it takes a while for deposits or transfers to be credited to the account and appear on my online banking statement. I have other accounts and my deposits/transfers appear the next day but it usually takes several days with Union Bank. It's not too big of a problem but it's not convenient either. I've only had to call their customer service line a few times and though the waiting time was longer than I'd prefer, their representatives were very professional and informative.
I have a Citibank Regular Day to Day Savings and I can say that I'm satisfied. I opened the account because I was looking for a safe place to put some of the extra money I was making as a freelance videographer and this service meets my needs. It's a basic savings account but that worked for me because it only requires a low opening deposit (my initial deposit was just $100). Like all big banks, it's FDIC insured and the thing I like best about the account is that I have access to my funds basically anytime, anywhere. I am able to transfer funds from a non-Citibank account via their "Inter Institution Transfers" which is very convenient and since I've kept at least $500 in my account, I've avoided having to pay the monthly fee. I'd definitely give the Citibank Regular Day to Day Savings a solid four stars.
I'm actually a big fan of MetLife Homeowners Insurance which I've had for several years. When I signed up, I was able to avoid a down payment on my insurance plan because my premium is deducted from my bi-monthly paycheck. Not only did this save me from having to come up with a lot of money for a down payment, but I don't even have to worry about paying my insurance because it's automatically deducted. I won't say that the coverage is cheap but I also do believe I get what I pay for and my deductible is reasonable. I'd say the only knock against them is that their claims process is a bit tedious which is why I gave them a 4 star instead of a 5. I guess I'm just not a fan of all of the paper work. Yet they do send someone to respond to claims within 24 hours so I do feel as if the company is quite responsive. I have comprehensive coverage which protects not only my home but also my valuable property such as TV, computers, and other electronics and valuables. I don't really like having to use one of their contractors when it comes to repairs but it does make getting things done a little less of a hassle. All in all, I'd give the company a solid B+.
I'm definitely a big fan of Citibank. I live in New York City and there are plenty of local branches which makes managing my account quite convenient. I have the Basic Checking and I like it because my account has no monthly fee. I had to setup direct deposit and bill pay in order to quality for this perk but I would have done that anyways so it's a good fit. Also, I still use a lot of checks and Citibank offers unlimited check writing, which is very usual for me. I think their phone customer service is a little slow which is why I gave them 4 stars but since I do most of my banking online, I've stayed with the bank. I wish I could somehow avoid the overdraft fee but I guess that is normal for most regular checking accounts. All in all, I'm very satisfied with my experience with Citibank.
I've had 21st Century Auto Insurance for two years and I was highly satisfied...during the first year. Before I signed up, my insurance representative clearly showed me how I could save hundreds of dollars so I made the switch. I was very happy because I saved nearly $300 during the first year. But this year, everything changed. My rates went way up and I went from saving money to losing nearly $400 year in comparison to my previous insurance plan. I feel somewhat hoodwinked and have been planning on changing my insurance as soon as possible when the new year rolls around. Perhaps other people have had different experiences but I've soured on 21st Century Insurance.
I've had HSBC checking and savings accounts for several years. I live in NYC and they have a lot of local branches which is convenient. I especially like the high interest rates offered for the savings accounts which is the main reason I went with HSBC. The branch customer service is fairly nice and the people who work there have always been very professional but I hate calling the bank because you have to wait for a long time to talk to someone. I also had a HSBC online savings account which I apparently didn't use often enough so they closed it. I had to send in a bunch of documents to get it re-opened but they still haven't sent me a new ATM card so I can't really do anything with it.
I'm a customer of American Family Insurance and I'm satisfied with the coverage the company provides for my home. The premiums aren't cheaper than the competitors but my agent has always been readily available whenever I've needed to contact her. I also use my home as an office and I was able to add coverage for my home office instead of having to get a separate policy which was very convenient. American Family's response to property damage during Hurricane Sandy was really quick and I was able to get the damages to the exterior of my home and yard fixed before most of my neighbors (with different insurance companies) were able to do so. The only real complaint that I have is the price but I guess you get what you pay for and their service and followup have been outstanding.
I've had a Savings Account with Montauk Credit Union for nearly 4 years and I'm fairly pleased with the service provided by the credit union. For one, it's a small non-profit organization with only one branch here in New York City so they provide the warm, personal service which is so rare in such a big city. Nevertheless, due to its small size, the credit union stops accepting deposits at 3pm which is very difficult for people who have a job with regular business hours. As a result, I've been forced to go make deposits during my lunch hour which is kind of drag. I've benefited from an unusually high CD rate which is a big plus (2.75 for 7 years) and I've actually been able to sit down with a banker there and plot out a retirement plan. Overall, I'd say its a good credit union but only if you live or work near the branch.
I've had a checking account with TD Bank for several years and I really love it. They call it America's "convenient" bank and I definitely agree with this description. First, I live in New York City and they have many branch locations, including one within walking distance of my house. Second, they are open early and late which is really convenient. One of of the things that I do not understand about banks is that most of them are only open during the business day which is a problem because most people are working during their regular business hours. I like TD Bank because they are open before and after my "9-5" job as well as on Saturdays and Sundays which is really awesome. Lastly, I love their coin collection service which allows me to throw all of my loose change into their machine and turn it into cash. For all of these reasons and more, I really love TD Bank.
The Crate and Barrel Store Card is a great option if you are planning on doing a lot of shopping at Crate and Barrel. If not, then it's not a card that I would recommend. As a store card, it has many benefits such as a $10 bonus for spending $200 at Crate and Barrel (or CB2 and The Land of Nod). This money can go a long way if you are planning on spending several hundred dollars to furnish a home or apartment. When I moved into my current residence, I spent over $2,500 on furniture so I'm glad to hear the card offers 6-month financing for customers who spend $999 or more at the store. One of things that I do not like about the card is the regular rate is quite high at 26.99%. In comparison, most major credit cards (such as the Chase Freedom) have a rate of 13.99%-22.99%. Again, I'd reiterate that this card is a good option for Crate and Barrel customers though I'd look elsewhere if you are not planning on buying furniture.
The benefits of the Mango Prepaid Card are pretty neat. It's a good card for people who get their paycheck deposited electronically because there isn't a monthly fee if you get $500/month loaded onto your Mango account. I like the fact that there isn't an activation fee and credit and debit transactions are free. As a comparison, the Ace Elite Prepaid Debit Card doesn't have an activation fee but you have to pay $1 for credit transactions and $2 for debit transactions. One thing that I don't like about the Mango card is the $2 fee for ATM withdrawals because each ATM already has a $1-$2 fee. Also, I don't like having to pay 50 cents for balance inquiries because I feel that I should have free and unlimited access to my own account information. Nevertheless, I definitely think the Mango Card is one of the better prepaid options and I highly recommend it.
The BankAmericard Travel Rewards Credit Card is definitely loaded with benefits and is a neat option for travelers such as myself. By simply spending $500 during the first three days, you receive $10,000 bonus points which can be used to save $100 on an upcoming trip. In comparison, the Capital One Venture Rewards Credit Card requires that one spend $1,000 during the first three months for the same benefit. It's clear that the BankAmericard is a better option during the initial period and the benefits do not stop there. The card offers 1.5 points for every dollar spent after the Intro period although this is less than the 2 points offered by the Capital One venture card. There is an added 10% annual bonus for existing Bank of America account holders which is why I consider it preferable to the Capital One card. In terms of travel credit cards, I don't think you can go wrong with the BankAmericard Travel Rewards Credit Card.
The PenFed Platinum Rewards Credit Card is an excellent option for individuals who are looking to transfer a balance from another card. The card offers a low rate (4.99%) for transfers made in the last three months of 2013 (although the rate will return to the regular market percentage after the promotional period). The PenFed Platinum Card offers a lower late fee ($25) and a longer grace period (25 days) than the Chase Sapphire Preferred Card ($35 and 21, respectively) which is an added benefit. I like the fact that PenFed also gives its cardholders tickets to special events as well as 24/7 complimentary concierge service which is definitely a unique bonus. The holiday shopping season is almost upon us so The PenFed Credit Card is a good way to consolidate your balance before you splurge on Christmas gifts.
The L.L.Bean Credit Card is a good idea if you're doing online shopping for yourself or buying gifts for others. I like the fact that the card offers 3% rewards on L.L.Bean purchases which you can use to buy a variety of clothes, footwear, outdoor gear, and luggage, just to name a few. One thing that I don't like about the card is that it doesn't offer an Intro bonus; for instance, the Sony Card from Capital One allows its cardholders to earn 5,000 bonus points within the first 90 days. Yet this card makes up for the Intro omission by offering 1% rewards on all purchases as well as free returns in case you do not like something you purchased at L.L.Bean. All in all, I'd say this is a cool option for L.L.Bean customers as well as anyone else who does a lot of online shopping.
The BP Credit Card would be very beneficial to someone who is looking for a gas rewards card and it does offer a 25 cent/gallon rebate on fuel purchases during the first 60 days. I should point out that the Kroger 1-2-3 Rewards Card has a similar offer but it lasts 90 days in contrast to BP's 60 day offer. Yet the BP Credit Card's shorter initial offer is offset by the fact that it offers a 15 cent/gallon rebate on fuel purchases after the first 60 days so you can use the card to save money on gas continuously. I don't like the fact that this card doesn't have a special Intro rate and the regular and cash advance rates won't save you any money as they are the same as similar cards. One great thing about this card is that if you use it a lot, you can eventually get a free 20 gallons of gas. If you drive a lot then you should definitely look into the BP Credit Card.
I've had Comprehensive Auto Coverage from Liberty Mutual for several years and I can say that I've been mostly satisfied. The price is just about the same as all of the other major car insurance companies but my agent has always been available whenever I've needed her. In addition, I like having the comfort of knowing that my car is completely covered from accidents along with vandalism, fire, flood, or just about anything else that can happen to a car these days. The main thing I like about the company is all of the benefits for which I've also signed up. For instance, I have a 12 Month Policy which ensures that my monthly bill stays the same for a whole year. I was able to take advantage of the Unlimited Rental Coverage when my car was being fixed which proved to be extremely convenient. All in all, I'd give Liberty Mutual a solid four stars.
I've had a Bank of America Regular Savings Account for most of my adult life and I've always been satisfied by the service. The account has a competitive interest rate which is an easy way to make a little cash while protecting your money. The account does have a $5 monthly fee but you can avoid that by keeping at least $300 in your account. I live in New York City and the bank has numerous local branches but I've also lived in Atlanta, Tulsa, and Denver and each city also had plenty of locations as well. Bank of America is a leader in the industry for a reason and I've never had any problems during my years as a customer.
Everyone who knows me is very aware that I enjoy wearing Gap clothing. Needless to say, I love the Gap Store Card and I use it regularly. The best thing about the card is that I get 5 points for every dollar that I spend and I have the option of using the points at Gap, Banana Republic, Old Navy, Piperlime and Athleta. When I signed up for the card, I received a 15% initial discount which I used to buy clothes for the upcoming fall season. Along with a variety of discounts and sales, I also get 10% off on Tuesdays which is a great way to perk up the middle of a long work week. I give the Gap Store Card a 5 stars and highly recommend it.
I really like the Capital One Platinum Prestige Credit Card. I think it's rightly named "prestige" because it is packed with benefits. For one, you can save a lot of money by transferring higher rate balances which is extremely convenient. Also, you start out with a very low APR so it's actually a good idea to make your bigger purchases when you first get the card. I've always enjoyed the fact that there is no annual fee which not only saves me money but ensures that I do not have an unexpected bill waiting for me every year. Lastly, this card has great fraud protection so you're safe in case someone gets a hold of your card information. All in all, I'd give the Capital One Platinum Prestige Credit Card a solid 4 stars.
I've always enjoyed my membership with Progressive Credit Union. As a New Yorker, I was looking for a safe place to keep my money. I was able to open one of Progressive's "share accounts" with only a $10 deposit and I'll be able to keep that account for the rest of my life, regardless of where I live. In addition, there are no minimum balance fees and I can access my account via ATM or online. After having a share account for a few years, I also signed up for retirement and education accounts which helped me save money for school and for my future retirement. I don't use checks very often but they do offer unlimited check writing which is very convenient and their headquarters are in the middle of Midtown Manhattan, which gives me easy access as soon as I step off of the subway. I really like the Progressive Credit Union and I highly recommend it.
This is definitely a decent option if you are specifically looking for a gas card. I know there are a lot of other card options out there but the reason I've used the Valero Gas Card is because it helps me manage my budget. The fact that it has a "fuel-only" option as well as a credit limit ensures that I use my money on gasoline, not the other needless things I end up spending my money on. It's quite convenient because I can use it at the pump just like a regular credit card and I can also manage the account online. In addition, payment is very flexible and I was able to set the date a few days after my payday which gives me the comfort of knowing I'll never have to be late on a payment. Again, there are a lot of gas card options out there but the Valero has worked for me.
This is a really neat card. I've had it for a few years and I use it primarily for travel expenses. It's quite convenient and loaded with cool benefits. I didn't even know this when I first got it but I've earned 1.25 miles per dollar on every purchase which goes a long ways once you start to use the card. When I initially signed up, I received 10,000 bonus miles which I applied towards an airline ticket. The APR isn't the lowest but the rate is competitive and there isn't a limit on rewards miles. Besides flights, you can also use your reward miles for hotel accommodations, car rentals, and gift cards so the benefits are quite flexible. All in all, I'd say it's not necessarily a card for everyday use but it's a great option if you travel a lot.
I joined Municipal Credit Union 7 years ago and was eligible because I was an NYC school teacher. At the time, I didn't think too much of it but since then joining the MCU has proven to be one of the best financial decisions that I've ever made. The application process is very easy and I only had to deposit $5 when I signed up. I also opened up an IRA for just $500 and the investment has given me incentive to continue to lay a strong foundation for retirement. MCU has several locations throughout New York City (although most of them are in Manhattan) and I rarely have to actually go to one because I primarily manage my accounts via their online banking portal. All in all, I give MCU a solid 4 stars because it has many of the benefits of a "big bank" (including mortgage and car loans) but still has the personal, credit union service and support.
I've been a Nationwide Vehicle Insurance policy holder ever since I got my first car and I couldn’t be more satisfied. It’s always very easy to file a claim and they have numerous repair shops in their expansive network. I’ve always benefited from their many discount offers such as the good student discount when I was in college. Their Vanishing Deductible is actually fairly new but I’m well on my way to have a very low deductible, which is a cool benefit. They also review my policy to see how I can pay a lower rate which means more money in my pocket. Fortunately, I haven’t had to use my car insurance very often but in the few times that I have, I’ve always been happy to have Nationwide “on my side.”
I love my American Express Prepaid Card! I primarily use it for shopping online. Since it's a prepaid card, I don't have to worry as much about someone misusing my information. I like that it has so many convenient load options, including by phone, online, by direct deposit, with a bank account, or with cash. When I need to make a withdrawal, I benefit from the fact that I get a free one each month. Unlike most other prepaid cards, the American Express Prepaid Card doesn't have activation or monthly user fees which is very convenient. American Express is always a cool card to have and whenever I have any questions or problems, I can call their customer support 24/7.
I think the Blue American Express card is great for the times that I want to travel. I like that it has no annual fee although I'm a bit worried that they may extract that money in other ways. I like the idea of getting 10,000 points by charging $1,000 within the first three months. The best thing is definitely the fact that I can use it for more than just airfare; I can use the card to cover car rental, hotel/hostel bookings, and just about everything else. The regular rate isn't bad although the cash advance rate is kind of high. But then again, I would be using it mainly to make reservations so that really isn't too much of a problem. American Express is a very prestigious card and it always looks good in my wallet.