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I've had nothing but good experiences with Citibank. I had to set up an account since my other bank account started charging me an annual fee for not having a set minimum balance in my son's account. I found a Citibank account which was made for students and set one up with them for my son who's just starting college. He's had no problem accessing the account and the minimum required in the account is incredibly low compared to the one thousand I had to keep in checking in the previous. I haven't had to call their customer service because I haven't had any problems with them so far.
Like many of these cards that are store based, they don't really offer anything good unless you job at that store enough to justify getting this card. The point system is alright if you spend enough at JCPenney, otherwise, get another card for general use. The points expire at the end of the month, which is average and makes it so that the card is really only that useful if the shopper spends a lot of money here. I personally wouldn't recommend this card unless you're a frequent shopper at JCPenney.
I've been a customer of U.S. Bank for a couple months now. I joined after a good friend of mine recommended the bank since he's been using them once he got out of high-school and got his first job. I wanted to bank service that wasn't part of other big banks, and most of the credit unions around my area are known to be somewhat questionable in quality. I signed up for their basic account with a single checking and savings account. I haven't had any problems with any kind of fees and there's plenty of locations around my area where I can take out cash if I need to. They have great customer service and their employees are very helpful when it came to setting up an account.
I've put down a reasonable amount of money down on a CD at Wells Fargo for my son whenever he's of age to be out on his own. I talked to the representative at my local Wells Fargo branch and they easily were able to hook me up with a 5 year CD. I plan to continually put this money back into another CD after these 5 years. The representative helped me in a fast and understanding fashion, it was almost effortless. I simply had to tell her what I wanted to do and she helped me set it up immediately. I have had nothing but a great experience with Wells Fargo. I had no problems whatsoever setting it up and I would definitely do it again.
I've been a Wells Fargo member for a very long time. My parents went in with me to open my first bank account with them when I was in high school. I've had no problems whatsoever with this bank account, I have several under my name. I regularly check my account balance online which is incredibly simple to use and your history of charges is easy to follow. The interest in your savings account is laughable, but most banks basic savings are. I've had no problems with any kind of hidden fee or an overdraft, minimum account balance, etc. The only thing I dislike is how their online service keeps on wanting you to apply for their online services before you view your account. It can get annoying at times. Otherwise, I've had nothing but a good experience with Wells Fargo.
My experience with 21st so far has been nothing but great. I recently got into a car accident as of November 2014 and had to deal with the insurance company of the other person through 21st. The person I dealt with was great and made sure that I felt accommodated through the entire process. They were quick to answer on the phone, and I was never on hold in order to talk to a representative for very long at all. They explained the whole process to me and how I would be compensated for the accident in a very clear and professional manner. I will continue to use this company as my car insurance company, and I think you should too.