I just opened an account with Bank of Internet, I like to do all my banking online, ease of use, fast and 24/7 Cust Service - you can't beat it, they don't nickle and dime, they fully disclose, always understand how banking works before you sign up and you will be fine here. They have high ratings everywhere you look, those that have made negative comments I find generally did not understand what "they" not the bank was doing.
I was interested in their higher % rates for their checking account. I made a small deposit to try Bank of Internet USA out. I got my card and my pin as expected, and changed my pin to what I wanted it to be. I went to an ATM to activate my card per their instructions but my card would not work. This was at 7:30 am PST. I tried to call their help line but got a message to call back later. I waited until 8:30 am and the lady was nice enough to activate my card for me over the phone. I used the card a few times at fast food places just fine until I went to the grocery store. Again, my pin would not work. I tried to contact their customer service at 6:00 pm PST and I got the call back later message.
I work 8-5 Monday through Friday, so I need access to customer service that is a little wider than my own working hours. By the time I get to the store and have a problem it is too late and I have no access to my cash.
As a bank that is supposed to be more advanced in the internet and technology fields, their technology and customer service is a fail.
I have closed my account and was supposed to get a check that contained my remaining balance in the mail yesterday... No check. I cannot score them on their rates and fees, because I could not get their accounts to work.
I lost my debit card this weekend. No live Customer Service after six or weekends. Chat isn't available until 11:00 CST and only on week days.
I've called five times today and either get a busy signal or they hang up when i select speak to a representative. answer the phone.