What makes a “good” bank? Not surprisingly, there is no right answer to that question. Since everyone has their own opinion on the characteristics of a good bank, the reason that you like your bank could be vastly different from the reason I like my bank.

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If you browse through the 5,700 bank reviews left by individuals on MyBankTracker, you’ll see the many types of relationships that customers have with their banks. Unsurprisingly, there are plenty of reviews in which banks are portrayed in a negative light — if I went through an unpleasant experience (for any consumer product or service), I would be more likely to write a bitter review too.

My bank, Chase, has been nothing less than stellar, largely because I have never had to deal with them for any problems. In my three years with Chase, I’ve conducted most of my banking online, through Chase’s mobile app or through the ATM without a hiccup — I’ve never had to use a bank teller. For me, Chase allows me to do everything that I need, as expected.

Many bank customers can relate to my trouble-free experience, but they don’t always take the time to leave a note of satisfaction for their banks because everything works as it should.

Therefore, it is important to highlight some of the positive experiences of bank customers and how they came to the conclusion that their bank is “good.”

Completing the job, as intended

“I have had absolutely no problems with Bank of the Sierra,” said “craigery,” who left a 5 out of 5 rating for the bank. “I have never had to pay any service fees; they have even refunded ATM fees for non-associated ATMs.”

Like me, “craigery” has no complaints about the relationship with his bank. Other Bank of Sierra customers did not have similar experiences and they left reviews with less praise.

Give me those rates and perks

“I like the free checks and high rates,” said “dbleze” with a 4 out of 5 rating for Ally Bank. “Dbleze” has online checking and savings accounts with the popular online bank, which has become well-known for offering competitive rates on its interest checking and savings accounts. Unlimited checks and ATM-fee reimbursements are just some of the benefits that are available at Ally.

Obviously, consumers want to minimize their account fees while maximizing the returns on their savings. A bank that helps customers achieve those goals is an easy way to be classified as “good.”

Bankers know my name

“Whenever I go in the branch, the whole staff welcomes you with a great smile,” said “Chaudry” in a 5-out-of-5 review of Firstrust Savings Bank. “The best part, they remember the last conversation you had with them.”

Although online and mobile banking is redefining how consumers interact with their bank, there remains a group of consumers who appreciate the personal touch that is offered by bank employees. It may come from a solid training program or selective hiring process, but there is no doubt that people prefer a bank with good employees.

The more features, the better

“I have been more than satisfied with my banking experience with State Farm Bank,” said “SCO,” who gave the online bank a 5 out of 5 rating. “Their online and mobile capabilities are innovative and make banking simple for me, which is what I need.”

As technology ushers in new ways to bank, consumers have come to adapt to (and love) the convenience that is provided by features such as online bill pay, person-to-person transfers and mobile check deposit. Many consumers find value in a bank that keeps up to date and offers the neat features to its customers.

How do you define a “good” bank?

Different people will find a different reason to love or hate their banks. I’ve never been able to relate to the folks who’ve left horrendous reviews about their unfortunate experiences. They can make a case that my bank is bad, while I can come up with a list of reasons that my bank is good.

It is all a matter of perspective.

For example, this 10-year-old found a “good” bank, partially because it had candy.

What’s your idea of a “good” bank?

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