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I have this insurance through my dad who is a teacher and it's actually really good. No one else seems to have it but I have always been very very well covered at a decent price. My current policy covers everything including damage to third parties and covers all expenses for the cars involved (depending on who is determined to be at fault, as is standard). I have only been in two minor fender benders but this insurance policy really covered everything. I was reimbursed for all damages to my vehicle in a very timely manner. No complaints here!
Bank of the West is my new favorite bank - - I've had issues with Citibank checking in the past so when I was looking for a new bank to open a checking account in California, this one seemed really great and had good reviews. It's smaller so it doesn't have as many ATMS but there is a branch really close to my house, so I just have to plan a little more to be able to get out cash ahead of time. There are also ATMs and branches in major cities and in supermarkets and whatnot so I just have to look around a bit more. That's probably the only downfall of this checking account - everything else is great, customer service is really friendly and the online access is pretty great too. My mom and little brother also have Bank of the West checking accounts and we all are satisfied customers!
Of all the checking accounts I've had, Wells Fargo is really my favorite - There's a ton of ATMs to use practically everywhere and it's super convenient. I have online bill pay and great online banking services, which makes it really easy to transfer money and take care of business. They also have a really great iPhone app which makes it even easier to do all of those things. Customer service via telephone and online has always been really great and helpful. They're also very careful with their customers; I've used the debit card for this account a few times traveling and the fraud department immediately let me know of any suspicious doings. Overall I really recommend Wells Fargo overall as a bank and especially for checking account services.
I have been with Citibank since 2008 and have had a decent experience with them. I used to have a student checking account when i was in college with them but then it changed to a general checking account a few years back. They started to charge me $10 a month to keep my checking account which I feel is excessive. I have been considering changing banks. Everything else is pretty decent about Citibank, they have good customer service and nice banks and lots of ATMS. I just feel that I am being over charged for my checking account. Thanks! Kate