Tried to transfer money twice this week and got confirmation numbers for both. No transfer ever took place. Called customer service and found out since I hadn't deposited any money in the last 6 months my account will not do any tansfers. Will take 24 -48 business hour to correct. I ask why didn't that show up when I tried to transfer, it said everything OK and gave confirmation number. She said I don't know why it doesn't tell you online. It will be a week and a half before I can get to MY money!

I caledl them this week about a wire transfer and they never said anything about a problem with the account. I have several online accounts and I never had a problem transferring money. This bank is a joke and now you can get better interest rates. I will transfer all my money out to American Express. Nevre had a problem with them. TIAA doesn't care about their customers

They just dropped the MMA to 0.99%, sorry to inform that rates dropped again MMA is now 0.75% and checking is at 0.05% 05/10/2013.

They charged me 25 bucks for nsf. and I had the funds. I ask how did that happen. She said it just happens some time. So I am out of the interest that would have been in my other bank That paying 1% I am still waiting for my 25 bucks back. I wonder it this has happen to anybody else. Since they are lowing there mm rate every week, I am sure others are taking there money out. It might be a ploy of the bank to keep the money in tiaa as long as they can

I have never in my life experiences such disrespectful service from any financial institution. I hold over $20k in deposits and have been treated like a convict.

The icing on the cake is when a representative called my home regarding a delay on a mobile deposited item; my father (elderly and staying with my family) had the same name as me. The representative did not verify any other information before divulging details to him. This confused him, as he is 82, causing him to call me at work in a panic.

I would never trust this over-night bank venture with my funds or private information.

An online-only bank should be able to provide some level of customer service online.

What a joke!

You send a secured message through the online banking portal; wait a few hours, then receive a generic message (cut and copy) to please call customer service.

This is not requests for complex issues; but for even the simplest request.

Save yourself from the headache of dealing with this bank; the rates don't make up for service.

Just some basic facts; My direct deposits are posted and available early on the date expected. I have found, on the few times necessary to call, customer service as good as others. My only negative is that there is not eStatement available.

When you use an online bank; you expect a higher level of service.... not true with TIAA Direct. Phone operators are worse than Bank of American and not even the supervisors know what is going on.

The interest may be appealing; but not worth losing sleep over your finances.

I'm going back to a brick and mortar bank.

I ended up making three calls to their customer service to get everything I wanted.

1. I completed the application over the phone due to a bug on their application form

2. I was locked out of my account (most likely my password was reset)

3. I wanted remote deposit on my iPhone

They have the best rates available as of today (2/22/2012). I'm in the process of transferring my other savings accounts (0.80% APY and 0.70% APY).

So far the online experience is clean and simple. I'll update this review when I've finished my transfers.

I currently hold over $3500 in balances on a checking and money market accounts and definitely not a bad banking customer. The representatives when you call in act like you are disturbing their slumber and are insanely rude. It took four calls to set up remote deposit due to representatives not correctly setting the password. (their banking app and edeposit app are separate)

when i had a fraudulent transaction; it was a thirty minute phone call as the representative did not know how to fill out the dispute form she was required to. I don't bank if i can't trust the employees. Looks like this high interest rate comes with a loss : the service. Going back to chase!

Since this is a internet bank; everything must be conducted by phone.

Every SINGLE thing required multiple calls as the customer representatives are not properly trained.

In order to set up remote deposit, you must call. (Its a secondary App they make you use in addition to mobile banking). It took a smashing SIX calls to get an account enrolled for mobile deposits.

I can't image how long it would take to have a mistake corrected with this bank.