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Green dot is pretty much exactly what you think it is, a debit card. I have no real complaints about it. It's safer than carrying cash as your PIN is needed for most transactions. You can check your balance online or by phone or at any ATM. All The online website is smooth and easy to use. I've never had to call customer service. Overall it's a great way to manage your money digitally.
I've been using this card for about 5 years now. I've had zero problems when it's properly configured and linked to a SallieMae banking account. The card goes through Barclay US, which is a great company. I've managed to save over $1200 last year using the card and just letting it rot in the account. Over the years my interest rate started at about 20% after three years of calling each year to get it lowered it's now down to 14.99%. The only gripe I have is not with the card it's with SallieMae. Either way, if you have family member who was in college or wants to go, or just wants to pay something off and you want to help just by doing pretty much nothing out of the ordinary, this is the card for you!
I'm really surprised with this Citibank simplicity card. I've had Citibank before and dropped it because of the excessive fees, interest, and hard to get a hold of customer service. Well, Citibank must have noticed the drop in their customers and decided to do something about it. The card actually doesn't give you any penalty rate or late fee if you miss a payment (as long as you pay it within reason). It's not the best for balance transfers and the grace period is a little short at 23 days, BUT as far as their customer service and new stance on fees go, this is really a groundbreaking new idea for Citibank. With this new turn I'd recommend rolling the dice with them again if you were like me and dropped them before.
This was the first bank I signed up for. They really don't cater to long-term customers or really give you any incentive to stay. They're okay if you don't live paycheck to paycheck. They are loaded with a lot of hidden fees (including large deposit and double overdraft fees). I would really avoid using them. I dumped them for another bank and it was a good decision. They are just way into too many fees and fines for no apparent reason other than to be greedy.
I've been a customer of PSECU for about 6 years now after switching over from a traditional bank. I was referred by a friend who swore up and down that PSECU was great so I figured why not? I tried it and haven't looked back since. Here's my lists of pros and cons: Pro: Mobile deposit, this was one of the huge draws that brought me to PSECU, I can deposit a check any time and anywhere with my phone. It's great and I've never had any problems with it (except for one time when my wife signed a check over to me to deposit into my account, apparently you can't do that with mobile check deposit, this is my only negative experience as the customer service rep was kind of rude with me when I called and asked why *note, people have signed checks over to me for years and this is the first time it happened...must be a new policy as of November of 2014.) Pro: Great customer service. I've only had one problem, ever and it was with an abnormally snippy rep, but aside from that it's all good. There is NO HIDDEN FEES/COSTS/JUNK like ridiculous fees for "large deposits" or "transfer fees" to transfer money from savings into checking. Pro: Great rates on consolidation loans (3% on credit card transfers for almost 2 years!) and no atm fees! No fees to deposit foreign checks either! Pro: Online system is GREAT and very user friendly. Con: If you want to talk to anyone you HAVE to call they have no "branches" which doesn't bother me any. Overall if you're a "modern" customer, they're great. If you were an old topper who isn't too into technology, this wouldn't be your bank, but I'd still invite you to try and I think you'd love it.
I had this company for a little while a few years back when I lived in PA. I don't have much good to say about them. 1st issue: I was told by my insurance agent once "it's deer season and if you hit a deer, make sure you kill it, because if there is no evidence of a deer we may not pay for it." 2nd issue: I was living with my parents at the time and my dad had just filed a claim (he was at fault, but the only thing they had to do was replace the other fella's rear bumper). They sent me a letter saying I had to sign a document promising my Dad would NOT drive my car otherwise it wouldn't be insured. 3rd issue: They are pretty hard to get a hold of in general. Pro: They are pretty darn cheap, but sometimes...you get what you pay for