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“Recommended”

I've had a good experience with this bank. I was using it for savings until they dropped their interest rates very low. I still have an IRA and a CD with them. The online banking is very user-friendly and you can easily transfer money to and from external accounts. I would recommend this bank for savings purposes. I have not used their 100% electronic checking account or bill payment services so I can't speak to that.

2 of 2 people found the following review helpful

“Recommended”

I can't find much bad to say about this bank. I've been with them since they were GMAC. The switch over went fairly smoothly, at least from my perspective... although they could have given their current customers a bit more warning ahead of time, but it all worked out fine. The site is very user-friendly. I can easily transfer funds to and from external accounts. I only use this for savings so I don't know if they have online bill payments or how useful it is. But for my purposes this has been a good bank to stash my savings. Kinda sucks they dropped their interest rate, but it's still a decent rate compared to what other banks are offering. Overall I'd recommend it.

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“Terrible bank, avoid at all costs”

It doesn't matter how high Bofi interest rate is, they are not worth the trouble! It took weeks for me to even get a username and password to log into my account and it all had to be done by snail mail. Once I got the information I encountered errors trying to set up my account. Finally got it set up but once in the account if I click on anything I get sent back to the login screen. There is nothing of use within the online stuff anyway. There is no way to transfer too and from external accounts. There is no way to make a withdrawal or deposit except by snail mail! You'd think with a name like Bank of the Internet they'd be a lot more high tech but there are many banks out there that actually have their acts together and offer excellent online services. I can't stress enough how bad this bofi is, if I could give it a negative rating I would. Just stay away, not even a high interest rate is worth this nightmare. Thankfully I only deposited $100. It will sit for 90 days (to avoid closing fee of $25) then I'm going to close the account. So unless they manage to do something really spectacular in 90 days (doubtful!), I'm done with it.

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“Good so far!”

The transfers are pretty fast and the customer service is good... I'm happy so far.

“I've had issues with overdraft charges of 37.50 using my debit card-Find another bank fast!!!”

I have banked with Huntington since 1998. Over the years they have lost or failed to post deposits leaving my bank account with a balance less than I had (keep your receipts). Customer service updates are poor regarding special offers for banking with Huntington. MY BIGGEST COMPLAINT: overdraft charges for 50.00 debit purchase which they allowed leaving me with a 37.50 charge then allowing me to use my debit card 6 more times after leaving me with a total of 7 overdraft charges when they allowed the charges. I only use this account as a debit/credit that is immediately posted to the account, so they knew what was happening. In this day when you use your debit to buy a cheesburger, it is difficult to track exact balance from hour to hour. When I spoke with the customer service rep, he said sorry, but the debit doesnt stop when you have a "0" balance and would not remove the charges. Unfortunately Huntington is making huge profits off of their loyal customers who make honest mistakes. When I made a deposit to cover the charges and have a + balance, I found out later that deducted more overdraft charges since the deposit I made on Saturday morning at the bank with the teller would not post until Monday. Whose fault is that? Why should I pay. I am finding another bank and my direct deposit will go to another bank. Such a shame and such a scam !

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“Chase Bank”

I just wanted to let everyone know that I prev. had a bad experience with a two day late rate hike that happend wrongfully to my parents who has never been late ever on a bill, my father was in the hospital & everything else was secondary..I could not believe for over a year they were charged unimagineable money. I wrote to Chase explaining the horrible incident. Today my mother received a letter rectified the interest rate as well as an adjustment. I was so pleased that they do care about the customers...

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“Banknorth Double Dipping”

Banknorth has become as bad as all the Wall Street firms. Every time I turn around, items that were inpending miraculously clear. Items I never even see in pending clear overnight. Lately I have ahd a situation where I was in the negative, a check was presented so I incurred a $35 OD fee. The check was then returned to the Payee and I incurred a $35 Returned Item fee. I would think the $35 OD fee should be refunded as the check was returned thus the overdraft never occurred. I have tried every day last week to contact them online and have not gotten a response at all. I am going to make a phone call today but have no hopes for a satisfactory resolution. I urge all customers unhappy with BN to file complaints with the Better Business Bureau. I can't believe they have an A+ rating!

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“Discover Bank Broken ”

I deposited $100,000 into my Discover Money Market account. I had them electronicly draft the money out of my checking account at my local bank. I think they call it an ACH debit. The money cleared my account at my local bank and Discover deposited the money in to my account. About 5 days later Discover reversed the 100k deposit and debit my Money Market account. When I called in the representative was a little confused and said the memos show they never got the 100k. I have now called several times and even sent a bank statement showing they took the money out of my local bank account. It is has now been over 3 weeks since I made that deposit and they still have not put the money into Money Market account. I am getting very concerned about by 100k and am considering hiring a lawyer at this point. Stay away from Discover Bank!!!

3 of 3 people found the following review helpful

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“TOO MANY BAD EXPERIENCES TO LIST”

I HAVE BANKED WITH 5/3 FOR 9 YEARS AND I HAVE HAD A FEW ISSUES IN THE PAST. IN THE LAST 6 MONTHS I HAVE HAD HORRIBLE EXPERIENCES!!! FIRST, THEIR ATM MACHINE DIDN'T GIVE ME THE MONEY I WITHDREW. IT TOOK MY CARD SEVERAL MINUTES TO SPIT OUT OF THE MACHINE. I DROVE TO THE OTHER ATM AND TOOK MONEY AND THEN WENT INSIDE TO TELL THE TELLER WHAT HAD HAPPENED. SHE TOLD US THAT ATM MACHINE DOES THAT A LOT AND TO SEE IF THE MONEY POSTS TO MY ACCOUNT BECAUSE IT SHOULD CORRECT ITSELF OVERNIGHT. IT DIDNT CORRECT ITSELF SO I HAD TO GO IN A FILL OUT A DISPUTE. I SPOKE WITH THE SAME MANAGER AND SHE SAID IT WAS NO PROBLEM TO FILL OUT THE DISPUTE AND I WOULD GET MY MONEY BACK. 3 WEEKS LATER I GOT A DENIAL LETTER SAYING THEY WERE NOT RETURNING MY MONEY. 3 MONTHS LATER I HAVE AN UNAUTHORIZED CHARGE FOR 170.00 I DISPUTED IT AND THEY TELLER TOLD ME TO FILL OUT A DISPUTE IT WAS AN EASY PROCESS AND MY MONEY WOULD BE RETURENED. AGAIN IT TOOK ABOUT A MONTH BEFORE THEY SENT ME A LETTER STATAING THEY WOULD NOT REFUND MY MONEY BECAUSE I HAD NOTHING IN WRITING SAYING I DIDN'T AUTHORIZE THE CHARGE...MEANING I HAD NO WRITTEN PROOF (EVEN THOUGH I SENT A 1 PAGE LETTER STATING WHAT HAPPENED!!) AFTER THAT MY SISTER NEEDED PROOF OF INCOME THAT I HAD BEEN PAYING HER FOR CHILDCARE. SINCE MY PRINTER WAS OUT OF INK WE WENT TO 5/3 WHERE THEY PRINTED 3 SHEETS OF PAPER THAT TOOK ABOUT 2 MIN. THEY CHARGED ME 15.00 WITHOUT EVEN TELLING ME. THIS IS A HORRIBLE BANK. I CLOSED ALL MY ACCOUNTS WHICH I SHOULD HAVE DONE A LONG TIME AGO AFTER HEARING OTHER ISSUES CUSTOMERS HAD!!

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