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This card is just ok. I got it through my bank or else I probably wouldn't have bothered with it. The interest rate is quite high and it just can't compete with the rewards programs I get on my other cards. I hear that the customer service is pretty good, though I haven't had much reason to contact them so far.
It’s a good place to keep your money. They offer slightly higher interest rates than banks do on your checking and savings accounts, and significantly lower rates on loans, which is great. They have special programs for kids and teens and have holiday savings accounts and a bunch of other cool little things that do much to enhance the community spirit of things. The people in the branches have always been friendly and helpful to me, with an abundant supply of lollipops at the desks and quick and courteous service. There’s also a coin machine you can dump your change in and watch it spin around and around and around before going in the whole. Fun times had by all.
My parents banked with Community 1st when I was growing up, and therefore so did I. They're still with them, but I closed my account when I moved out of the area. That's one downside I guess, limited locations. Anyway, this is a pretty typical credit union; better interest rates than banks, not owned by giant evil corporations who took bailout money, that type of thing. Their customer service is nice, though I didn't have much occasion to use them. Overdraft fees are a bit steep. They have a special savings account for kids and a tiered reward system for long-term account holders.
I always hear rave reviews of this card. Nearly every site praises it as like, the best card that ever was oh my goodness. So, I have to assume that it's fairly nice, haha. No annual fee is always great, and it’s with Visa so acceptance rates are high. The current cashback promotion is great if you’re going to spend that much in a month anyway, but obviously don’t use it as an excuse to go on a wild spending spree. Cash back rewards never expire! Which is good because you certainly have every opportunity to earn a lot of it. You need time to decide what to do with alllll that money. =p
If you start using it early enough, this card can be a great tool for putting up some of the cash required for college. You earn at least 1% cash back on anything you buy, and it can get up to 10% cash back as well. I’ve only made one purchase so far, and the cash back hasn’t shown up yet. I plan to use this card mainly to pay my monthly student loan payment as some sort of cruel irony. It amuses me, at least. Haha. Anyway, it’s a pretty good card. There’s something about the website layout that makes me hesitant to use it if I can use my discover card- it’s just hard to navigate and a bit intimidating.
This is a wonderful card for harnessing your airline miles and making them work for you. If you travel even occasionally you'll see the benefit from this card. Since there's no annual fee, there's really no reason NOT to get it. Even if you're just making a few purchases on it here and there, you're eventually going to rack up enough for a nice relaxing vacation, completely passively. Also, Discover as a company in general is among the best to work with. They’ve actually been recognized as having the best customer service of any major credit card company for a few years now. So, if you get this card you really won’t regret it.
I opened up a simple savings account with ally this past month- just a little something to set cash aside for an emergency fund somewhere it was fluid and earning interest but apart from my regular accounts so I wasn't tempted to spend it all on a spontaneous shoe shopping spree. The interest rates are better than most if not all competitors around, but it just feels like there's something lacking in the user interface. I haven't fallen in love with it like I did for ING, but it's a good bank and offers some good features if you can stumble across them.
Ugh. I wouldn't recommend this bank. Really, just stay away from them if you can help it. Wells Fargo is the epitome of corporate bureaucracy not caring about its customers. You’ll just have to jump through a lot of hoops and go through red tape that you wouldn’t have to face with a local credit union or something of the like. Yes, they’re available in many more locations, but expect to pay for that privilege in account fees. I’m sure this is a good bank for people who have a large sum of money, but for those who are starting out with less, it can really drain you.
Oh my gosh, I love ING! They have all the features you could want (and more), plus great interest rates to boot! You can deposit checks from your mobile, send checks through the mail at no charge, not even for the stamp, or get your own checkbook if you really need one for just five dollars. Awesome. I also love all the information they give you. For example, if you go to open a product on your account, say, an IRA, they have links to informative articles and tools right there for you on the same page! Itâs wonderful. I really feel like ING is a friend who wants me to succeed in saving, not some corporate monster trying to make money off of me.
This is a great card for students. With no annual fee, it's a wonderful way to build up credit without sinking into debt- provided you can use credit responsibly! The website is very easy to use, I pay all my bills from there without once receiving a paper statement. You can do everything you need to do from the website, so that's great if you're travelling or far away from home for school. Discover is consistently voted the company with the best customer service in the industry, so you won't have any trouble there. Like I said, this makes a wonderful first credit card. You earn cashback on everything which can be redeemed on amazon! I love that part.