Incredible Bank

Online Bank,

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C+ MyBankTracker
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

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Incredible Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $34 $30
  • Stop Payment item $29 $27
  • Return Deposit $34 $13
  • Domestic Wire Transfer (Outbound) $20 $22
  • Domestic Wire Transfer (Inbound) $5 $10
  • Non-Bank ATM N/A $1.0

Latest Customer Reviews

    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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    Reviewed By Eleanor J. Nov 9, 2012


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

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    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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