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I have been with Chase for many years, even when they were known as Washington Mutual. They are a bank that always takes care of their customers no matter what. I recently made a mistake and was hit with some overdraft fees. I called their customer service phone number and they immediately reversed all my fees, no questions asked. Every time I go into the branch, the employees there are very helpful as well. I also like the fact that you can have a free checking account with them as long as you have direct deposit going in. Most other banks charge a lot of money on a monthly basis for an account, so this is very refreshing.
I have had a savings account with Capital One for over 5 years now. It has been a very easy account to manage. Their online banking is so user friendly and their customer service is fairly responsive. I have never had any trouble withdrawing any funds or receiving them in a timely manner. My only complaint is that the interest rate keeps going down over time. I went from receiving over 2% interest to less than 1% and that has been quite frustrating! I am hoping the rates will bounce back up soon.
My wife and I are members of Premier America Credit Union and are satisfied with the service we've received overall. The bank employees are friendly and always get our transactions done as quickly as they can. However, they do not have a lot of people working in their branch and the lines can sometimes be very long. That is really my only complaint about them though. They offer great accounts with competitive interest rates and have very nice employees who seem to truly care about their members.
My wife and I used Mercury Insurance for our auto insurance needs a few years ago. The application and approval process was pretty easy. However, their customer service was only mediocre. It took a long time for our agent to return our phone calls and emails. We would have to keep calling and bugging her in order to get an answer to basic questions. At the end of our policy, they raised our rates and wouldn't work with us to get them lowered again. We ended up cancelling our policy because of this. Overall, they are a good company but their customer service needs some work.
I opened a CD with Ally Bank a few months ago and it has been great so far. The interest rate is much higher than what I have been accustomed to recently. I also really like the fact that we can collect our interest on a monthly basis instead of at the end of the term. Many other banks do not allow you to do that. Ally also has great customer service despite the fact that they are an internet based bank. I recommend this CD to anyone who needs a great investment with a pretty decent interest rate and a shorter term.
Logix Federal Credit Union is by far one of the best financial institutions I have ever had the pleasure of working with. Every time I go into the branch, the employees are welcoming and professional. Their customer service is second to none. They offer great rates on loans too. My wife and I were able to get an auto loan for less than 2% interest. We were able to pay off our car much faster than if we would have used another bank with higher interest. They also offer very generous credit limits and are very receptive with answering any questions from customers regarding credit. I highly recommend banking with Logix!
This account is pretty good overall. However, I have had some issues with meeting the requirements for it to be free. I have to have an automatic transfer of $25 from this checking account to my savings account every month, which to be honest is really annoying. I forgot about this automatic transfer one month and made some purchases with my debit card, which resulted in my account being overdrawn. Thankfully, Wells Fargo was very understanding about the situation and reversed my overdraft fees for me. I wouldn't recommend this account unless you don't mind having an auto transfer happen every month.