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I have had state farm for on and off for the past 3 years! Sometimes i go with e-insurance but since i young car insurance is sometimes not affordable. I call my agent to ask all kinds of questions they are always friendly and open about issues. State farm has programs for young drives like me and i just love the discounts. I am also a student so if i get above a 3.00 gpa i get the student discount. The payments are flexible in case you get into a tight they are willing to work with to keep you insured. The application process is easy they do it for you if you call in but if your good with computer you can signup on online its quick.
Just got a new account after closing my chase account. PNC so far i am happy i went into the bank to open this account. They are really nice at the location i went in Lansing, Mi the employee greet every customer. They told me about all the fee's and how i would be able to get the most out of my account. I really feel like they educated me about what i can look forward to when it comes to managing daily usage of my debit card.
Credit One cards are easy to get. The short app's and you only have to wait about 7 days to get your card in the mail. Bill payment is easy over the phone but their is a fee or send a money order or check in the mail. Late fee's are high but there are low monthly payments.
A couple of weeks ago I got an overdraft fee from chase. It was due to an account balance that was -9.98, once I found out it was negative I contacted them to resolve the issue and avoid paying an additional fee. Chase rep explained there was nothing they could do to get the amount of fees I had to pay to go down. For under $10 dollars I paid almost $100 bucks in late fees. I never knew my account was in the negative because this isn't an account that I use a lot. I signed up for overdraft protection but without an saving account thought them it is pointless. Overdraft fee are expense and banks should give customers a longer grace period during economic down fall periods.