Reviews about Financial Services

OldHippie says "Saves Me Stamps" about Regions Bank - All Cities, USA

OldHippie — Tue, 04 Nov 2008 00:09:44 GMT

Several years ago Regions bank bought out my old bank, Union Planters. Before that they bought out some one else...etc., etc. I can't remember who the original bank was! In these times of fiscal irresponsibility, Regions seems to be keeping their head above water.

To "oobrow" from Mobile, AL. that complained about checks taking a long time to clear; it's called "Fiscal Responsibility." And yes, if you're driver's license is expired, are you responsible enough to keep track of your own money? Boo-Hoo.

I receive but one check a month from the VA. It has to last. Regions has not only free on-line banking, but free on-line bill paying. They are not the same thing. Under the old bank name, they charged for on-line bill paying. Now I save a bunch on stamps. I pay literally all my bills on-line, with the exception of rent. My landlord wants a REAL paper check for some reason.

Regions has ATM's all over town. And, of course, the Regions Visa check card is accepted everywhere. ...

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brokerbarbara says "This Bank LIES!" about IBC Bank - Corpus Christi, TX

brokerbarbara — Wed, 29 Oct 2008 20:54:19 GMT

This is in response to the treatment I have received at IBC. This is only one instance of bad customer relations. This is the time that has "broke the camel's back" so to speak.

I have done a cut and paste below to show you what your policy in writing is online. The statement below is in reference to trying to do a stop pay for an ACH transaction. In writing it says I have to go to an IBC location.

IBC's reality is different though: I called, made arrangements to come in at lunch, sign papers to do a stop pay. I called back within 30 minutes to say I was not coming in; I did not need the stop pay, I was going to deposit money to cover my duplicate ACH car payment, which I had done in error. My new car was financed at a different bank as I had tried for 8 months to get financing from IBC but was continually turned down.

Now you are saying I owe for the stop pay. You faxed me a stop pay cancel authorizations to sign saying you needed it to reduce IBC liability. ...

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patlen says "has everything needed in a financial institution..." about Bank of America - Baltimore, MD

patlen — Wed, 24 Sep 2008 02:50:08 GMT

I have seen other individual products which are better, but this institution offers everything for individuals as well as businesses which includes products , savings, checking loans, credit cards, , and toolssuch as online banking,portfolio tracking for budgeting, payroll for business etc....
find out more at http://www.bankamerica.com...

leapleapfrog says "Really Great." about HSBC - Chicago, IL

leapleapfrog — Mon, 22 Sep 2008 17:38:16 GMT

Here is the best option for banking if you like to travel, and have a lot of different countries to visit. I reviewed banks to see which offers the most banks in coutries outside of the USA, and found HSBC to be one of the best, with a whole spectrum of currencies that the user can withdraw without getting charged a large ATM fee. There are 2-3 % differences in the exchange rate, but that is what most money exchangers will give you on cash too. It comes highly recommended, and I would like to pass this recommendation on. Truly the world's local bank....

otisboymd says "ing where nothing is direct" about IngDirect - Wilmington, DE

otisboymd — Thu, 11 Sep 2008 22:53:32 GMT

I would not recommend anyone having an account with ING DIRECT for they are the worst in customer service and say your money will grow by having an orange savings accout. The orange savings account was the first that I had with them and later added the electric orange which was their idea of a paperless checking account. The fact that I had one account with them not to mention another one was just a bad a idea from the beginning. I wished I had never opened an account with ING DIRECT. I now have what is called the investor checking with Charles Schwab which allows you to earn interest on your money just as ING DIRECT does but with far better customer service so what I am writing about here is the poor customer service that you will receive from ING DIRECT because they do not know how the banking industry works and should just stick to MARKETING which is what you mostly see anyhow with all their ads. THEIR CUSTOMER SERVICE REPRESENTATIVES ARE RUDE AND NOT AT ALL POLITE SO DO NOT OPEN AN......

Bryan-Carey says "Going Orange with ING Direct" about ING DIRECT - Wilmington, DE

Bryan-Carey — Tue, 09 Sep 2008 16:59:44 GMT

Banking has come a long way since the days when financial transactions were conducted entirely one- on- one with a bank teller or loan officer. These traditional banks, of course, still exist but many consumers now opt to conduct banking via the internet. Most all major banks have an online presence, but there are also a few banks that conduct business exclusively online. One bank that is very non- traditional and continues to grow in popularity is ING Direct, an online banking institution.

Bank Commentary:

ING Direct is a bank I have grown to know and respect over the years. I have known about ING Direct bank for a long time because of its online ads, but for the longest time, I dismissed these ads and usually didn't even bother reading the offers. I assumed my present brick and mortar bank was sufficient because it gave me the products and service I wanted and I hadn't experienced any real problems in the years since I opened my account. I didn't see any good reason to open an ING...

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JCHCKPNT says "If you depend on your money, don't store it here" about The Laredo National Bank - Corpus Christi, TX

JCHCKPNT — Fri, 05 Sep 2008 18:12:54 GMT

On Aug 30 I deposited only 400.00 in cash at this bank which fell on a Saturday, the drive thru teller tells me my funds would be available in one hour, fast forward to TUESDAY not only was my account overdrawn but my account had NSF fees applied........... wanting to take of this in person, I went to the lobby of THE LAREDO NATIONAL BANK and spoke with someone by the name of Reanna Reyes who blamed the system, who went on to complain even her little sister was having a problem getting to her funds, excuse after excuse, no apology at all was given. I was told to check on my account the following day and my money should be there, and NSF fees would reverse..... It's now Friday Sept 5 and my deposit made it there, but the fees are not reversed....so here I'm on hold waiting for the manager will typing my review for THE LAREDO NATIONAL bank in CORPUS CHRISTI TX, for the past 20 min, no holding music, thank GOD, but only once has someone come to the line to thank me for holding.................

crazysillyfun says "Sheldon-Palmes Insurance of Hernando, Inc saved me so much money" about Sheldon-Palmes Insurance of Hernando, Inc - Melissa Olbek - Hernando, FL

crazysillyfun — Thu, 07 Aug 2008 17:51:25 GMT

You have got to go to Sheldon-Palmes Insurance of Hernando, Inc . They saved me so much money, and let me tell you, Melissa and Shelle are two of the nicest people I have ever met! They truly TRY to save you money..... They will go out of their way to help you. If the insurance you currently have is too high, they will find it cheaper. If the company you have is non-renewing, as is happening a lot here in Florida, they will find you a company. I have had many dealings with this agent and they have never failed me yet. I have my business insurance, auto, home, umbrella, life, and health with them. Their experience in the field of insurance is superb. The detail of explanation that goes into every quote is the unlike any agent I have ever dealt with. I hope this helps with finding a local insurance agent in the Citrus County, FL area.

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dallasdaddy says "Would not recommend to a family on a fixed income." about IBC Bank - Corpus Christi, TX

dallasdaddy — Fri, 01 Aug 2008 00:20:49 GMT

I am a live pay check to pay check kind of guy. Unfortunately this bank makes that very difficult. When i deposit a check it takes 5-7 days average to clear the check before i can even touch it. However if you write a check they love to take it out immediatly. I have deposited checks in on friday and paid bills with checks on monday and had them bounce because my paycheck was not cleared. i get charge 27 dollars for each check that comes in before they decide to clear my check. I may have the money in there to cover the checks but they will still bounce them to get the fees. The only positive thing about this bank is 7 day a week banking and they stay open late....

mickeyrae says "The service was more than expected!" about Ascentra Credit Union - Bettendorf, IA

mickeyrae — Wed, 30 Jul 2008 21:55:10 GMT

When I walked into the front doors I was immediatle greeted with smiles and welcoming voices. I commend the employees of Ascentra Credit Union for their ability to help every individual feel welcomed and respected. Many businesses are forgetting about the little people and Ascentra has given me my faith back in the way of people helping people. Thank you for all of your hard work and I will be recommending you to everyone I come into contact with! ...

WayneC says "Ridiculous way to run any business muchless a bank!" about HSBC USA, Chicago - Chicago, IL

WayneC — Tue, 29 Jul 2008 16:18:47 GMT

To the contrary of the glowing praise issued by TheBard, I found this bank to be difficult, no strike that, impossible to call in Chicago in order to reach anyone to answer a question about a draft I received from London, drawn against a commercial account. This was after I called the customer service (800) 975-4722 number, reached a representative who took my information, called a "local" branch somewhere in Illinois, at a location I had never heard of, just to be told that "they were unable to entertain my requirements at that location", that they didn't have the resources to cash a check, and I should go elsewhere! This was relayed through the rep, not directly by the branch since I was denied the opportunity to speak directly with the branch.

I then called directory assistance, was given the 71 S. Wacker, Chicago IL number(which the rep had no knowledge of....) at (312) 357-3900, and reached a recording. This turned out to be another dead end. I wasn't permitted (electronically)...

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ALFie63 says "RFCU - personalized customer banking service still exists!" about Rockland Federal Credit Union - North Attleboro, MA

ALFie63 — Fri, 25 Jul 2008 21:11:16 GMT

Rockland Federal Credit Union is a 21st century financial institution offering 1950s customer service. They provide all the services that the big banks do, but they always know who I am when I walk in the bank, and are ready to courteously assist me - and I'm not even one of their big depositors. And on top of that, I don't have to maintain a minimum balance in my trulyfree checking account. I have been a frequent bank-hopper because of extreme banking fees and poor customer service, but I believe I'll be a permanent RFCU member.

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Arobbin1 says "Chase Bank- Private Student Loans are Disappointing." about JP Morgan Chase - Chicago, IL

Arobbin1 — Tue, 22 Jul 2008 16:57:38 GMT

At the beginning of June 2008, I decided to apply for a private student loan through Chase to help cover my tuition and college-related expenses. It is now July 22nd, 2008 and I am still waiting to receive the funds from my loan.

After submitting my application online, I received immediate notification that I was conditionally credit approved, pending the receipt of the required documents (i.e. promissory note, copy of driver's license, and proof of residence.)

I just called Chase, and after waiting for 15 minutes, I finally got a representative on the phone who then took nearly 5 minutes to get me transferred to a supervisor. I calmly explained that I was concerned about the fact that I have not yet received my student loan check, and that I was really concerned about the timeliness, or lack thereof, surrounding the entire application process.

I explained the difficulty that I had with getting my address approved which significantly extended the amount of time it took for processing. As...

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AWESOMEMOM88 says "A quarter of a century later......" about Citi Bank - Chicago, IL

AWESOMEMOM88 — Tue, 24 Jun 2008 20:40:53 GMT

Our first Visa card came from Citibank, way back when we were first married and in the succeeding 25 years, we have been through all variants from gold to platinum to diamond preferred....the one constant is top notch customer service. And they really do show concern about my credit history and my personal identity-long before it became a buzzword of modern culture. A large, unusual expediture for our family was followed almost immediately by a phone call checking to insure that it was, in fact, our charge. When we made inquiry about interest rates being offered by other credit card companies soliciting us for our business, they adjusted our rate accordingly. Since starting with them, we have also had our primary mortgage sold to them as part of the CitiGroup, and the same excellence of service has always applied. I like the fact that they have options. Reward programs are available (I choose not to participate, but that is my personal preference) I have been able to get......

lnpkguy says "The Online Bill Pay Doesn't Work" about JP Morgan Chase - Chicago, IL

lnpkguy — Thu, 12 Jun 2008 20:38:45 GMT

For over a month I have been attempting to pay my bills online. It worked well in the past. Since early May of 2008, I began receiving error messages not allowing me to enter the bill payment section of the web site. This week, it has occurred everytime, regardless of the day of the week, or time of day. I reported the error to Technical Service on several occassions and I get the run around about how they are working on the problem. There is no warning on the web site that Bill Payment is down and no mention of when the issue is expected to be resolved. Given that I have changed many of my bills to paperless, this is now a big hassle to return back to paper checks. ...

idgaswniu says "These people will rip you off." about Bank of America - Baltimore, MD

idgaswniu — Fri, 16 May 2008 13:34:32 GMT

Never sign anything with this company. their documentation only benefits them and you give them the right to change any agreement without your consent to anything they wish. Miss one payment and your interest rate goes up to as much as 34% and stays there for six months. plus they charged me $100 for being late on a payment when I had made two large payments that month. They would not change it.

I would suggest, If you are going to do business with a bank do it with small local bank or Credit Union.

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CrystaBush says "Chase Banking makes my life SO much easier!" about Chase Bank - Garden City, MI

CrystaBush — Mon, 12 May 2008 17:01:21 GMT

Chase Bank

Chase Bank makes it easy to handle your money! I am a member of 3 different banking institutions for a variety of reasons. My favorite bank that I deal with is Chase Bank.

1. Customer Service - Chase Bank'scustomer service representatives are truly the best I have personally dealt with. Whether I am physically inside the bank, the drive-thru or on the telephone. Chase's employees are knowledgeable and kind. No matter how absurd of a question, the customer service rep. has an answer. When signing up for linked accounts and bill pay, the employee inside the bank set everything up for me and I just hung out until he was done!

2. Online Banking - My favorite feature of Chase Bankis the ability to bank online. I am not great at recording debit charges in my checkbook and being able to sign in securely online and check my balances, record purchases and more is extremely convenient. I can transfer money between my accounts, pay bills and get great banking advice. This...

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JusttheFactsMa-am says "Don't even THINK about US Bank!!!!" about US Bank - Minneapolis, MN

JusttheFactsMa-am — Sat, 10 May 2008 01:53:52 GMT

I manage a wholesale company, I had two different bank accounts, with two different banks. I called into US Bank to get a current balance on that account because I needed to temporarily transfer the majority of it to our other account, and then I confirmed with my accountant about minimum balance requirements etc... and thought I had made a safe transfer. A month later I received my statement (no other notices or calls in between), and discovered that they had charged me DAILY for a $30 overdraw, totaling over $240! I don't live where we are headquartered, so by the time I had called in to try and resolve it, it had risen to about $310! Not only that, but they had closed the account and sent it to collections too. So I asked our accountant to reason with them because he deals with them regularly. They reopened the account so he could deal with it, and were "gracious" enough to knock a mere $100 from the gaping hole. But when I went to pay it off, I was told it had increased by another......

ScreemName says "The Best Banking Experience Ever!" about First Entertainment Credit Union - Los Angeles, CA

ScreemName — Tue, 29 Apr 2008 14:55:38 GMT

The friendliest most helpful service I've ever had. They go out of their way to answer questions-get you the information you need and assist you with your account. The act like they're not even in the same industry as the rest of the obnoxious, customer disservice oriented, banks....

ScreemName says "No such thing as customer service" about California Bank and Trust - Los Angeles, CA

ScreemName — Tue, 29 Apr 2008 14:48:15 GMT

These people clearly haven't heard there's a spreading crisis in the financial industry and they might want to actually keep up the pretence of minimal functioning and customer service. They were rude, contradicted each other and themselves; appeared to be extremely ill informed about their own business and in absolutely NO way interested in keeping current customers or winning new ones.

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