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Credit Karma has been a great tool for checking my credit score and credit report, and ensuring that there aren't any accounts sitting there ready to take me by surprise. I originally signed up for a CK account just a couple of years ago after I turned 18, originally it wasn't of much use to me as I was still living with my parents and didn't have a very large need to maintain a good credit score, and the odds of getting any line of credit extended to me were slim-to-none due to my age. Now, I'm currently living halfway across the country, attending college full time, working full time, and I'm considering taking out home loans and auto loans in the relatively near future. It's important to stay on top of my credit score, and Credit Karma makes it easy to do so. I can check it as many times as I'd like, and since it's a soft inquiry as opposed to a hard inquiry, I do not need to worry about it lowering my score or reflecting negatively on my report each time I check. I can dispute any accounts or issues in the reporting directly from inside the Credit Karma website, as it directs me and provides links to all necessary external/third-party webpages that I may need to access. Credit Karma also has a large amount of suggestions for me based on my income, work history, and primarily, the credit score that is reported on my account. I was able to select my first credit card from this website, and I couldn't be more pleased with the way that it has been used so far. I can't truly provide ratings on Problem Resolution, as I haven't ever had any issues with the website, but I believe that a conservative four stars would be adequate based on the great service I've received previously.
I recently opened a new checking account with Armed Forces Bank. I opened my account at the beginning of May, so it is still relatively new. Since opening my account, I've had the absolute pleasure if making various deposits and interacting with the employees at Armed Forces. They offer very considerable interest rates on their accounts, and also provide information of federal Regulation D and the limits on withdrawals that can be made out of the account before its conversion into a checking account. Transferring funds online or via the mobile app is quick, easy, and efficient. The applications are extremely user-friendly. I am very, very pleased with the service from Armed Forces thus far, and genuinely look forward to continuing my banking relationship with them.
I just opened an account with Armed Forces Bank last month. Being a 20-year old student, with limited credit history, and a previous overdraft with TD Bank that has been reported to ChexSystem, I was having an extremely hard time finding any bank that would give me a second chance and allow me to open an account. I have direct deposit, with about $1500 per month going into my account from my employer. In addition to this, I have roughly another $500 coming in from contract work that I perform. Even with these high deposit amount, not asking for any overdraft protection, and being willing to open a CD with a bank, I found none that would allow me to open a checking account. I even tried credit unions to no avail. I then began to look at banks and credit unions that did not use ChexSystem when opening accounts, or that would allow someone to open a checking account with a less-than-perfect ChexSystem report. Being a military dependent, Armed Forces Bank was at the top of that list, along with Navy Federal Credit Union and USAA. Being a previous employee of USAA, I'm extremely familiar with the ins and outs of the military banking system, and with how the account opening process works. I've never had a more pleasurable experience than when opening my account online. It was fast, easy, and I had someone who chatted with me while opening my account. I selected to have the initial deposits taken off of a debit card I had, and while I was waiting for that to happen I was able to visit my local branch and make cash deposits there. The customer service at this bank us unparalleled, even by that of USAA! The representatives are always willing and ready to help and provide guidance. I haven't had any real issues thus far, but they have always been there if I were to have one. Overall, I give Armed Forces 5/5 stars, and a 100% review. I would recommend them to anyone, military or non-military, looking for a good, honest bank that will work for you.
My husband and I have been customers of Community Financial since 2011. We currently have a joint checking and joint savings account through the credit union. The application process was simple enough, we were out of the office with the accounts opened and no problem way back then, and they have continued to service us up until the present. I have recently opened an account with Armed Forces Bank, as their online website and mobile banking apps fit my needs much more than CFCU does. We've established a relationship with those here, so we keep our accounts open, but primarily bank with AFB now.