I have banked with American Express Bank now for several years. They have among the best (not always the best, but close) rates & very good customer service. If I would have one gripe with them it would be their website. Several things you can't do there that you should be able to but I have received messages that they are upgraded their website so hopefully they address these shortcomings & then I can't imagine a better place for your savings.

I had american express credit card for less than year. I had to cancel my account because of unprofessionalism of american express customer service. They provided me with misleading information in the regards of my dispute with Hotwire.com. I contacted customer service multiple times to make sure the problem will be taken care of and they were convincing me that American Express will do the best and will take care of my problem anyway. After all, American Express didn't resolve dispute in my favor and had to apologize for the customer representative's mistake in being unprofessional in a sense of promising things they are not able to provide. I will never recommend American Express because their reputation of being the best customer service provider among other other financial institution is really questionable.

I have a bluebird account. No fees, charges or anything. I must say they are the best financial institution I have ever used. I would recommend them to anyone...

I had really great customer service! While I love the product, I think the website and features are very outdated. I would be nice if it had a better user interface on the website. It looks very old-school and I wish there was a way to see the routing & account number without having to search for it (similar to ING, my credit union and other banks).

Also, I would like to see some sort of mobile deposit feature.

What I don't like is the hold time for ACH/EFT credits once they hit the account. I have direct deposit set up which is available right away but all other incoming transfers are so lengthy in time. I've never seen anything like this. That's probably the biggest downside for me.

I tried to set up a savings account online. After I finished filling out all the information, I was then instructed to call an 800 number.

The customer service representative I talked to had the personality of a piece of cardboard. It was like talking to a robot.

To cut a long story short, he said they could not approve my application for a SAVINGS account on the phone because I had remarried SIX years ago. I was told I would receive a letter with further instructions.

So when I received the letter, they wanted me to request a letter from the Social Security Administration verifying my social security number. I called them back. This customer service representative had the same personality of the guy I talked to before.

I don't know. Maybe they put their people through special training to sound like robots, but I would rather not do business with them. So I cancelled my request to open an account.

I went to ING and opened an account the very same day. A much more pleasant experience, and I highly recommend ING services but NOT American Express.