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I was a State Farm Customer for over 10 years here in Florida. I had all of my insurance bundled into one policy, auto, home, and additional insurance on some other properties. State Farm made the decision that they were going to be leaving Florida because of their liability if a hurricane hit and dropped every single home owner’s policy in the state. I was included in this drop. They tried to offer me a reduced rate on my auto insurance, but it was actually almost two times the price of Allstate. The state of Florida has legislation that requires a company that offers auto insurance to also offer homeowners insurance to Florida residents, if their company sells homeowners insurance as well. State Farm created a separate auto insurance company that does not offer homeowners insurance to come into the state and sell auto policies. So after 10 years of brand loyalty, they dropped me and I was forced into the horrible state insurance Citizens. I will never give another dime to State Farm.
I was a Wachovia customer so technically I did not "choose" to be a Wells Fargo customer. I was really disappointed with the change initially, but have grown to like them. The online banking works smoothly and I use it on a daily basis. Sometimes my transfers will sit in pending for a long time which is kind of bothersome. It is usually my Friday-Monday deposits that just drag out and do not clear till Tuesday. Realistically, these transactions are electronic and there is no reason for them to be put on hold over the weekend. I receive constant online payments that are transferred to this account. If I can receive these payments on the weekends, I should be able to have the funds available almost immediately. That is really my biggest issue with Wells Fargo. Other than that, they have been very helpful and have always been available when I need them.
I have had Allstate for my car insurance for four years now since switching from E-surance. Kinda funny that E-surance is now owned by Allstate. I started with E-surance because when they began, their prices were unbeatable. Over time they slowly raised my rates every 6 months with no incidents. I finally got fed up and called around for some quotes. I was VERY surprised that Allstate was over $200 less per month. I thought they would be much more expensive because of their brand reputation and the amount of money they spend on advertising. I am fairly pleased with their service, they have been slowly increasing my rates as well. I will probably go through another policy term with them before I start looking around again. They do offer some pretty substantial discounts for people who have policies with them.
I do not use this card very often but I signed up for it when they were offering a promotion of $200 in gift cards. They followed through with it and I was really pleased with that offer. I live in Florida so I also get discounts when I am in Disney. With all of the out of town family and friends who come here, I end up at Disney at least once every year. The discount really helps because Disney can be pretty expensive. I am a fan of Disney, but I am a little bit burnt out on going there and it makes me feel better that I get discounts when I have to go.
I was a member of Grow Financial Federal Credit Union for about four years. They were called MacDill Federal Credit Union in the past. When they changed their name to Grow Financial, I was not too pleased with the way they re-branded the credit union. They became less professional, in my opinion, and took on a "friendly" type attitude. Honestly, I want my bank to have a professional tone and make me feel secure having my accounts with them. They do have many positives though, they offer free checking with no minimum balance, free online bill pay, no minimum balance on credit cards, and they have a really great mobile banking application. The only reason I left was because of the re-branding and I am thinking about getting an account with them once again.
The Discover More Card has been an excellent card for the entire time I have used it. The biggest issue that I have with it is that some places do not accept it and I have to use an alternative. I really wish more merchants would accept this card because it is easy to earn points on it. I often will go to the Discover Card website and choose from merchants that accept the card before deciding to purchase something online. Many times there are bonuses for additional points that are promotional. You can really earn big if you buy necessities like gas or groceries using this card. They offer a whopping 5% cash back on those purchases.
Achieva is just fair. I have been a member for over 10 years now. Well, they were Pinellas County Teachers Credit Union, and then they changed names because they did not want people to think only teachers could join. They do offer competitive interest rates and with good credit, they have given me loans for home improvements and vehicles. They are currently re-branding themselves. I am not sure of the direction they are going. Online banking is fairly easy and is free. Checking accounts are free with no minimum balance. Interest on money market accounts is next to nothing, but no one has good rates now. My biggest complaint is that at one point in time I tried to talk to somebody because I wanted to file a formal complaint about some new fees that were being instituted and no one would listen. Other than that, they are an okay bank. Nothing to write home about and you can probably find better out there.