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

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.

You know how most banks will reverse a fee as a one-time courtesy if you make a mistake and let your account balance get too low? Not this place. I did my banking here for over a year before I got sick of not being able to reach anyone regarding my account. Find a local credit union or competent online bank (or hell, stick it under the mattress) before putting your money here.