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For someone who doesn’t do a lot of grocery shopping, the Blue Cash Everyday makes the most sense. I did the math, and found that I’d have to spend a lot more on groceries to make the annual fee of the Blue Cash Preferred worth it. The interest rate is very high, yes – but you wouldn’t want to carry a balance on most cashback cards anyway. I tend to buy Amazon gift cards at supermarket checkouts anyway, so the 3% back definitely comes in handy. Overall, I couldn’t be happier with my experiences so far.
As an Amex cardmember to begin with (I carry an Everyday Blue), they were my first choice when I was looking at high-yield online savings to supplement my 529 account for college savings. Actually, even in these times when savings accounts are paying pittances for interest, their rate isn’t that much less than my guaranteed 529 return! Add to that the protection and customer service you get from Amex, and it’s really a no-brainer. I haven’t had to have any problems resolved or dispute anything (for either the savings account or the cashback card, for that matter); been a perfect CS experience to date.
They’re somewhat regional in scope, but as someone who does most of their banking in North Carolina and Virginia, BB&T has been perfect for my needs. I’ve dealt with three branches in these two states, and with the exception of one branch (which unfortunately is the one nearest my office), they’ve been excellent. I recently opened a 529 account with them, and they offer a pretty good deal for that – almost a 2% return, FDIC-insured. If you want a bank that has a hometown feel but still does everything you need, I’d definitely recommend BB&T.
Who here has a perfect driving record? Certainly not me – but Liberty Mutual’s treated me just fine regardless. From the occasional speeding ticket to filing a claim when a deer decided to take a shortcut across my path on a summer night, they’ve been nothing but responsive. Great rates, too – even when I was younger than 25 years old, and therefore a menace to the driving public in the eyes of most insurance companies.
Ever since getting out of school, I’ve been a member of SECU – and couldn’t be happier. I don’t do much banking outside of the state, so I’ve never had a problem with them not fulfilling any services I need. My experience with the local branch has been fine, and the online services are convenient. The Fat Cat service is pretty handy for getting rid of spare change, too! Right now, I have my checking and IRA accounts through them, and I wouldn’t think about switching to another bank.