current bank reviews reddit
Every year, we survey thousands of current account customers and ask them to rate the service they receive. Only thing I can do is order online. Unclaimed. They refuse to send out a confirmation email for the account. nbkc bank offers a combined checking and savings account, a money market account and CD terms from three months to five years. Website: Cynergy Bank business bank account website. If you're affected, you can find our guide to switching banks here. No one will cash or deposit the check with that written on the back. Which? Complaints handling was another area of concern, with Tesco Bank scoring just two stars. Overall Score: 4.5: Savings: 4.5: Checking: 4.5: Money Market: 5.0: Customer Service: 4.0: Mobile App: 4.5: 5-point scale (the higher, the better) Pros and Cons. The table below has the comparison. 5 4 minute read. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. The combined checking and savings account at nbkc bank is called the Everything Account. Discover Bank offers some of the highest yield money market accounts, CDs, IRA CDs, and savings accounts available. It also offers one of the cheapest arranged overdrafts though only for customers with decent credit scores (it charges a rate of 15%, 25% or 35% EAR dependent on your credit score though even its highest rate beats the high street banks). NOO I Went To Go Pay Bills And The Card Was Declined Not Once But Twice, Because Little Did I Know My Account Was Still Flagged For Fraudulently Activity, All Because I Made A Legal Transaction My My Legit Bank Huntington To My Current Account. They keep telling me to wait first it was five days then it was 7 days then it was 10 days. All. At This Point I’m Very Confused Not To Mention Very Upset, I Don’t Understand Why I Need To Verify My Account AGAIN When I Already Did All This When I Signed Up, So I Send All The Required Documentation To Them They Then Email Me Back Saying They Needed The Documentation To Show Specific Things On It Okay Not A Problem Right I Email Them Everything They Needed Plus My Lease To Prove Where I Live, After That Happen I Never Got A Email Back From Them Not To Mention I’ve Contacted Customer Service Multiple Times And Have Called & Emailed & Live Chat Them No One Had Been Able To Help Me They All Tell Me The Same Thing Like They Are Damn Robots , My Account Is Still Under Review For What Ever Reason, They Released The Money Into My Account Yesterday, You Would Think That By Them Releasing The Money Meant My Account Was Cleared. This is total bull, I'm thoroughly disgusting with this bank and it's representatives. This gives us the Which? Metro Bank. Customer Score. Even tried creating a Google Pay account on a phone with NFC and get an error message at the atm. I have looked at a few different options and these 2 have stood out to me. The $100 overdraft is an absolute joke I have had my account for almost a year and my limits on overdraft are still set at $25. BOY I DO NOT RECOMMEND THIS CARD TO NO ONE CAUSE THEY GIVE YOU A NUMBER TO CALL JUST IN CASE YOU HAVE QUESTIONS DEALING WITH YOUR ACCOUNT AND NO ONE THERE TO ANSWER ANYTHING BUT THEY SAY THAT A REPRESENTATIVE IS SUPPOSE TO BE THERE FROM 9-6 BUT THEY ARE NOT THERE. I had my tax return deposited along with my paychecks. CIT Bank Money Market Account - 0.45% APY. Unlike with other digital banks, your account can be accessed both on your phone and via N26’s web app. This time it has clinched the top spot with a score of 88% and we’ve named it a WRP. M&S Bank was previously a Which? They will make no effort to help their customers in any way shape or form. Had the current card for a while and everything seemed okay at first, until it was time to pay my part of the rent and I went to withdraw $600. Rest assured that they are on the way to you and if for any reason they do not update we will be more than happy to reship them for you. M&S Bank was previously a Which? Okay, no problem, let me just upgrade to the premium card right? Some of the features and benefits of State Bank of India’s business bank account. Now that there is a very minor issue with my account they could be easily solved through a phone call with the merchant current has been of no use at all. Financial Services Limited. Emilia Benton. In my opinion it seems like this bank is run by a bunch of foreigners using a Google search tab to come up with banking policies. This is the high-interest savings account offered by EQ Bank, with a current interest offer of 1.50%*. Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? If I could give this "bank" negative stars I would. BE WARY OF THIS BANK. Our Story Careers Press. Star ratings: a - indicates that we did not get enough responses on a particular aspect of a provider's service to generate a star rating, or the provider does not offer this service. List companies that haven’t claimed their Trustpilot account. A Customer Score over 70% makes a brand eligible for Which? Financial Services Limited. That said, there are other bank accounts with higher current account interest rates. I'm gonna have to reroute my payments to another payment option, but I can't access the money I already have on my account. Read our full nbkc bank review. It could not be more obvious that these are employees of current who are going online and giving themselves 5 Star reviews to boost up the ratings so they can continue to scam individuals on a regular basis. First Direct* £250 0% overdraft, plus free £100 for switching and GREAT service . CIT Bank… Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. All eight banks respond to call from Which? But how reliable is this online bank? Several major banking brands are yet to sign up to the voluntary code, including Monzo, Tesco Bank, and Virgin Money. It also sits at the bottom of our table for online banking security with the lowest score of 46%. EQ Bank Accounts Review. Crazy! It … 's rating for customer satisfaction, based on feedback from real customers. It is now the 19th and still no card. They don't answer phone calls. Wrong again. (for all we know someone might be going something with her money/fraud as week speak. 29. ALL I WANT IS MY MONEY THAT I WORK FOR. If you're affected, you can find our guide to switching banks here. It's certainly worthy of your shortlist if you're considering moving to a new bank. Kat Peach February 12, 2021. I WISHED THEY DIDN'T HAVE TO HAVE ANY STARS CAUSE THEY DON'T DESERVE ANY AT ALL. We may receive compensation when you click on links to those products or … I have even reached out to the CEO of this company and have received no response. Banks are offering support to customers who are affected by the coronavirus outbreak. I contacted the help desk that isn't much help. Then said to take it somewhere else. Frost Bank Review: Checking, Savings, CD and Money Market Accounts. Despite featuring in the top six in 2018, Tesco Bank fell out of favour after it cut the interest rate on its current account from 3% to 1% in early 2019. Up to £2,000. They said they would investigate the matter, I get an email from a representative telling me that out of the $1600, they could only get $6.01 back. calls for urgent government action to protect access to cash. [a] Revolut operates under an e-money licence not a banking licence in the UK, so your money is not protected by the Financial Services Compensation Scheme (FSCS). They claim that there are no supervisors when you ask to speak to one they claim that they do not have an actual email address and the phone support is non-existent although when I opened up my account in the middle of the pandemic I was assured repeatedly that should I need phone support it would be available to me. Well within 2 days of my tax return being deposited, $1600 disappeared. However, in March 2021 they announced they would cease offering current accounts and existing accounts would be closed by summer. Nearly every aspect of its service was rated five stars by customers, including online banking, the mobile banking app, complaints-handling and overall customer service. They closed my account with no warning and continued to charge me the $4.99 fee. Bear in mind that M&S Bank customers are usually excluded from the switching bonuses sometimes offered by First Direct and HSBC. Only the latest review will count in the company's TrustScore. Looking at their BBB profile, the company has an average of 2 stars (out of about 30 customer reviews). Wrong! So I asked them:Me-"hello can you put a stop charge on the charges that I haven't authorized?" Very legit and I enjoyed streaming my favourite music! Which? What about Monzo, Metro Bank and Revolut? I HAVE BEEN TRYING TO GET IN CONTACT WITH SOMEONE FROM THEM FOR A MONTH . So whether it’s 0% balance transfers, credit cards for bad credit or interest-free spending, you can be sure you’re getting the best deal for you. I still have the app and different merchants have been trying to charge my account most out of the country or in a state I don’t live in. I can't pull out any money. Fortunately I have been able to transfer all of my money from my current account to cash app. nbkc bank Personal Accounts. Money Compare is a trading name of Which? First Direct shares deposit protection with HSBC so limit deposits to £85,000 across the two brands. 14 days later and current is still holding this money in pending status claiming that the merchant never refunded it. I did and they contacted current and the bank that they affiliate themselves with everyone needs to contact them this will raise a red flag!! We have been with them for our teens accounts for over 3 years... no funding issues etc.... bbb said new program they are using is closing kits of accounts by error. Recommended Provider of current accounts for 2020-21. Money Compare you can compare credit cards, based on both price and customer service. Most of the ethical banks provide current accounts, though some (like Triodos) do charge monthly for this privilege. I now have bills that are late and late charges piling up to the point where banking with current is actually going to cost me money. Representatives refuse to answer your questions and end the chat sessions when they cannot answer your question. Written By. About 40 percent of all U.S. commercial bank assets are held by just four mega banks but consumers may find that an online bank, credit union or a smaller, regional bank is better for their needs. Customers can also apply for an additional Starling 'Connected' card which can be loaded with up to £200 and given to someone they trust - ideal if they are unable to leave the house but need some help with the shopping. Which? Now 500$ was taken from my account right. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Recommended Provider status, but we’ll only award this if its main current account achieves an above average product score. I Am VERY Unhappy With Current I’ve Had A Current Account For Little While Now Everything Has Been Fine Till Recently, I Got A Check From The IRS, That I Put Into Me And My Husbands Joint Huntington Account With Out An Issue. This is criminal and unless you want to get caught in the same web I implore you not to use this bank. The popular online bank was founded in 2000 under the name Bank … I order the card on the 2nd of Feb. Thankfully they haven't been stealing my money like everyone elses. Overall, nbkc is a great bank that gets good reviews from current customers for customer service. Deposit money and withdraw cash at any Post Office or bank branch counter, on the same terms as other personal current account customers. The cash transaction limit is also £250,000. So now I have a useless check. Thanks to this app . The best power bank for you depends on what you need to charge and how much juice you need away from the mains. List companies that are regularly asking their customers for reviews — whether positive or negative. After 3 years on a Saturday night they locked my teens account. This is not worth it. That's because we need a minimum of 50 people to respond to our survey to generate meaningful ratings. Sup- "Nope, we don't do that. M&S Bank - no longer offering current accounts. Get Deal. Updated on Monday, March 1, 2021. A closer look at the Which? EQ Bank offers 5 accounts (registered and non-registered) that customers can use to earn better-than-average interest rates on their cash deposits. As I sit and wait for my pending charges to go back into my account I am now fearful after reading these reviews that it is going to be a tooth and nail fight to get my almost $600 returned to my account. This bank closed my account with all my funds that were also back-payments with no notice or notification. Axos Bank is a full-service online bank offering some of the best high-yield savings accounts available. I figured the premium card would increase the daily atm limit. However, in March 2021 they announced they would cease offering current accounts and existing accounts would be closed by summer. Slick app with great security and budgeting features (freeze your card, categorise your spending…). Pros of EQ Bank. Only reason why. Current account Review ★★★★★ 89%: Monzo : Monzo is the most popular digital-only bank in the UK – and apparently for good reason, as it topped our survey again this year. Our unique customer score combines customers’ overall satisfaction with a financial brand, and their likelihood to recommend that company, if asked. I used to be very pleased with this card but I had never had an issue where I needed customer service before. They are: 1. **UPDATE**After several emails to the support department and being told sorry the account is closed and today recipe bed notification the account has been reopened and fully accessible! Banks will review their basic accounts and may move you on to a more appropriate current account if your financial circumstances change (they must give at least two months written notice). I Immediately Email Them Back Asking Why This Is Happening, Of Course They Give Me No Explanation What So Ever But They Ask For Required Documentation To Verify My Account. Although it started life as a smartphone bank, Starling launched online banking for personal customers in October 2020. on cash access – is it enough? Best in Bank. It is a great no fee banking option in Canada. Details. They blamed it on me saying I gave someone else my information, WRONG!! Filters 4. I don't know what else to do. Nothing! The bank also received the highest score in a separate survey where we asked customers to rate financial brands’ level of service during the first four months of lockdown (87% rated it positively). Requirements: Santander asks that you have a main income of £5,000 per month (effectively a £60,000 per year salary) or have £75,000 invested through the bank or in savings or a current … We analyse dozens of different elements, including rewards and benefits, fees and charges, and how you can operate the account, to calculate a product rating score. Top-rated companies. Where N/A appears, we were unable to rate the bank's product. In-store banking services will also end. © 2021 Trustpilot, Inc. All rights reserved. Limited and part of the Which? Was accidentally double charged by the merchant was able to get in touch with emergent right away and they were very Cooperative refunded the double charge and sent me proof of that. This was partly due to limited functionality (customers mainly operate their accounts from the smartphone app) but our independent experts found nothing concerning. Recommended Providers (WRPs) - the banks and building societies that offer great products and top-notch customer service. Benefits. Which? This is something that is not just poor business practices. Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. Please pay attention to this warning and don't use this bank. Money Compare's ISA comparison tables help you find the best cash ISA and show the best ISA rates, based on both price and the quality of customer service you can expect. EMAILING THEM IS A WASTE OF TIME CAUSE THEY DON'T ANSWER THEIR EMAIL AS WELL. Transaction gets cancelled because of security reasons, even though I went thru hell just to get verified. From December 2020, it will stop paying interest altogether. Customers praised its ‘clear and honest communications’, the ease of opening an account and using the app, as well as speedy responses from the ‘excellent customer service’, which is available 24/7 via the app and over the telephone. It's my understanding that with virtual card providers that are NOT financial institutions, they don't just protect you against fraud (increased security), but they also protect your privacy. Current is a mobile banking app and Visa debit card that offers online checking accounts with up to two days faster direct deposits and no hidden, overdraft or minimum balance fees. I have supporting documentation from the merchant showing that my double charge was refunded yet they will not give me an appropriate place to send at the supporting documentation when I finally was able to attach it in a screenshot on live chat they ended the chat every time they received my supporting documentation because they obviously did not know what to say once I was able to prove that the money was refunded. Read this review to find out if what you heard is true. This resulted in major issues because I now am delayed in paying bills and they refuse to help.Do not trust a bank that closes an account with your money in it. It is very sad and depressing that the CEO of this company used to be a man who worked for doordash and apparently lived paycheck-to-paycheck but now he is getting rich on stealing money from people just like him. I do get my direct deposit one day early there are numerous other banks that also offer me that feature. Listen I've used this "bank" for almost 2 years mainly because I get my direct deposit 2 days early. Find out more about the Yorkshire Bank Business Current Account. This year is no different with scores of 61% and 62% respectively. The merchant has tried on numerous occasions to get in touch with current to clear this up yet there is no phone support and no email support the only support you get is Through the chat sessions on their app. Account: Interest rate: Min. Horrible. The table also includes star ratings for ten elements of the banks' service: overall customer service; the application process; regularity and clarity of communication; transparency of charges; dealing with complaints and resolving problems; service in branch; telephone, online and mobile banking; and benefits such as cashback and credit interest. When it comes to the banks mobile experience, nearly 1,000 customers have ranked the app modestly on the app store and less favorably on Google Play with fewer reviews… Only problem with that is my phone does not have NFC capabilities. Blog Contact Us FAQ. Unlike most current account providers, Monzo has not signed up. Table notes: We surveyed 4.501 members of the general public in September 2020. As a matter of fact the representatives begin to get hostile with you when you express the need for better customer service or to be transferred to a supervisor which they State they do not have. One representative will give me information and then another representative will give me the exact opposite information so you never know what is really happening with your account. This is where things make a turn for the worst. Ok I have one question, my current account is suspended but I still can use the debit card associated with the account, Would i still be able to receive my stimulus payment when it is sent to that account? By continuing to browse you consent to our use of cookies. There was no notification or disclaimer stating my card would no longer work while I await the "premium" card. SIGN UP. I do not recommend at all !! It is FREE to sign up for with no minimum balance (e.g. Me-"Wait so you're telling me that 500$ was taken out if my account and you guys can do anything about until the charges are settled? Royal Bank of Scotland (RBS) and fellow NatWest Group subsidiary Ulster Bank are perennial low scorers. When you reach the end of the time frame for the funds to be returned to your account they simply extend the time frame with no explanation. That's when I realized there was a daily atm limit of $500. Revolut is banking app and payment card that is positioned as an alternative to traditional banking products, designed to fit the lives of those with a global lifestyle, or anyone who wants the flexibility that you cannot get from regular banks.. Revolut’s goal is to adapt to the needs of clients, giving them control. At Which?, we think the way your bank treats you should be an essential part of finding the best account. TSB launches cashback reward current account: should you consider it? We don't just pick Which? Financial Services Limited is a wholly-owned subsidiary of Which? Now that we’ve looked at how to fund the account and set up the account, here is my EQ bank review and some of the pros and cons of the EQ Bank’s Savings Plus Account that I have experienced so far. Every time I talk to them they put the blame upon the merchant but the unfortunate part is the merchant has been 100% Cooperative has taken all of my phone calls and has been able to provide me email proof that the double charge was voided within 15 minutes of it happening yet 2 weeks later here I sit with those charges still pending on current telling me there is nothing that I can do but sit and wait. Everything I have been told by customer service representatives in chat has been 100% fraudulent. The only low rating was for account benefits (two stars). Plus the merchant is in a different country what am I supposed to do?" We then calculate the 'product score' of almost 40 current accounts to find our Which? The Starling debit card is fee-free for purchases and foreign ATM withdrawals anywhere in the world, making it the cheapest debit card to take abroad. Another bank might have lower overdraft fees or higher interest rates. Since 2019 we've insisted that WRPs be signed up to the Authorised Push Payment Scam Code. Please give USPS more time to update the tracking information due to the current delays.