B+ MyBankTracker Rating

Incredible Bank

About Incredible Bank

Incrediblebank.com is an online division of River Valley Bank, an FDIC insured financial institution established in 1967. Accounts at Incrediblebank.com are FDIC insured to the maximum allowable limits ($250,000) per depositor (deposits at Incrediblebank will be combined with any deposits you have at River Valley Bank for determining FDIC insurance coverage).

Incredible Bank logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Incredible Bank Bank Customer Reviews

  • KG
    Reviewed By Karl G. Jun 22, 2012

    Unusable Online Banking Interface, Unexpected Changes In Service With High Fees

    Lured by the relatively high interest rate, I opened an Incredible Bank account last year. The idea was to use it for holding a 'rainy day fund' linked to my main checking account.

    Once I signed up, the online banking interface immediately made me a little suspicious. It is clumsy and ugly and unpolished compared to every other online service I currently use. It looks like a throwback to the 1990's.

    I was further put off by the difficulty of actually linking the accounts. I had never had any trouble linking my checking account to accounts at other banks, so I can only assume the problem was with Incredible Bank.

    The final straw was the surprise of receiving an old-fashioned paper statement (in typewriter font), and seeing that the bank had charged me $15 for it. I called and was told that my account had reverted to 'offline banking' because I had not logged in for two months. The representative said she would only give me a partial refund, but that was 2 days ago and I still do not see it in my online transaction history.

    Overall, Incredible Bank is an incredibly shoddy outfit. Not worth the tiny extra amount of interest at all.

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  • AO
    Reviewed By Adam O. Jun 17, 2013

    Was OK, until

    I didn't login for about 12 months. Had $5K there. They then levied a $15 paper statement fee on me because they automatically converted me back to paper statements as I hadn't logged in. But I've been downloading transactions to Quicken for some time.

    Called them up, and they refused to waive the fee.

    Frankly not at all what I want in a financial institution. There are many online banks and I recommend folks put their money at a bank that doesn't have customer unfriendly policies such as this.

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  • EJ
    Reviewed By Eleanor J. Nov 9, 2012

    great

    I am very pleased with my account and the ease of contacting the bank.

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