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I have a credit union at home that I use and when I moved to Albany, NY for college I decided to go to another credit union. I feel that the service you receive from a credit union is more personal and they care about you more as an individual than some name brand bank. THe customer service is wonderful at First New York Federal Credit Union however signing up for an account took over an hour which was longer than I expected. One thing I really did like though was you fill out your information and that day you leave with a working debit card so you don't have to wait weeks for one to be mailed to you. One negative is there is only one branch in Albany so if you need to go to the bank, that's the only Albany location compared to banks with branches in multiple cities, states, and even international.
This bank account is a good checking account for students who really only need a place for their money to be secure and available with a debit card. It is very simple to set up and only took around 20 minutes. All you need to bring is a photo ID and a student ID. The woman who set me up with the account was very friendly and helpful, and the employees are always very helpful when I go into the bank. There is no monthly balance and no maintenance fees which is very helpful for college students on a tight budget. The downside to this bank account is you don't get any interest of any kind of promotion. Your money simply sits in the account with no advantage. This is a good account for college students, but after college I would highly recommend getting a different account that offers some sort of promotion for using.
I have had a savings account with Greylock Federal Credit Union since I was 8 years old. They have an excellent program for both young kids and teens. Greylock's Cub Club for kids and Fusion financial programs for teens and young adults help youth learn how to manage money and start saving for their future. I really love how they invite the entire family to be a part of their organization. I have had several situations that Greylock handled very appropriately. I have overdrawn my account many times and Greylock has notified me and not charged me a fee, The employees are extremely caring and go out of their way to make you feel welcome and part of a family.
I had Nationwide home insurance for 7 years and recently had a great experience. I had never filed a homeowner claim and when I finally did after 7 years they only raised my rate $7.00. I have heard from some of my friends that after they filed a claim their rates went up hundreds of dollars. The claim was filed due to water damage in my basement after a new water heater was put in. Nationwide figured out that the water heater was faulty and caused the problem. They worked it out with the company that installed it and my they were reimbursed. They then took off the $7.00 rate raise and I am at the same as before. Everyone I spoke to was so friendly and helpful. Thanks Nationwide for actually giving me real people to talk to!
I signed up for TD bank, because I moved out from home to the city where I attend college. At home I was using a credit union that only had two locations. One of my friends recommended TD bank so I decided to look into it. I went to the bank on a Saturday morning, expecting to have a long wait. Right away the customer service was excellent. I was greeted as I entered the bank and was asked what I could be helped with. I said I was interested in starting a bank account and was brought to one of the managers of the bank. After talking about my banking history, what I am looking for, and what services I want, I set up a student checking account. The process was extremely easy and every step was explained. I was given a very thorough and informative tutorial on my online banking, checks, how the account works, and the features of my account. I was very satisfied with the process of setting up the account. The customer service, speed, and information provided completely exceeded my expectations.