Zecco equals zero in customer service and not in trade commissions. Since, I am cheap - I wanted to go with the most economical brokerage house. However, not too long ago they increased the minimum required balance to enjoy free trades to $25000 that I don't have. So, it is no more zero dollar trades for me. It is $4.50 which is still lower compared to the others. But, I should have had realized, what you pay is what you get. Their customer service sucks big time. Zecco's clearing house is Penson, so at times you have to use their interface to download statements and trade confirmations, which is not as intuitive as other brokerages such as E*Trade or ScotTrade. On personal front, I have had a few problems with Zecco's reliability of trade execution with limit orders on 2 occassions in last 14 months. I have also had problems with incoming and outgoing ACH not getting honored even if submitted before the daily cut-off time. On one occasion, my outgoing ACH was cancelled even when I had sufficient funds available for withdrawal. The reason that I was given was that the same bank account used earlier to initiate an incoming ACH cannot be used to withdraw money if multiple accounts are set-up for ACH to prevent money-laundering - what a joke! It also lacks news or research tools that most other brokerage houses provide for free. If you are new to investing or a day-trade then I would not suggest going with Zecco. Instead try E*Trade if you are new (their customer service is excellent or at least it used to be) or if you're a casual trader then thinkorswim might impress you (which also uses Penson as the clearing house so viewing statements/confirmation may not be as easy). So anyway, by moving to Zecco I really didn't save any money considering missed opportunities and delayed money transfers. I am bidding my farewell to Zecco. Best luck!