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I have not had the problems described by others here, but I find that the website does not inspire confidence.
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I've got accounts at all of these places (beats getting 0.01% on my cash in brokered CDs at Morgan Stanley). I was pleased to see a new entrant that was spending a little to build a brand. The account opening process was - dare I say - fun. I did need to call with an access issue and the phone was answered immediately by a very helpful woman who treated me like a grown up (addressed me by my last name and did not become frustrated with my mistakes entering the information). I'd put this in the same league as Marcus or Citizens and above everything else I have experienced on your list.
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It is all fun and games until you need to withdraw your cash and then it becomes hell on earth. Impossible to reach a rep and if you do it is like fighting with a tiger. Their preferred withdrawal method is to mail you a check by snail mail and will not wire or do electronic transfer. I suggest you avoid. Plus, rates are falling.
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I managed to lock in a great 1-year CD rate with these but it wasn't the easiest process. If my wife and I were not already at the maximum FDIC insurance levels with Colorado and Live Oak, I would have done one of those first. This just isn't worth the frustration for 6 bps.
LiamL
Sep 19, 2021 |