Great Customer Service And Great Interest Rates.

Ignore what you've read below I've been an online member of this bank for several years now from Texas. Granted when I signed up with them they had a 5.25% interest rate which yes of course has dropped to 2.51%apy over time and I would expect that with the economy the way it is and has been going.

As for customer service the ladies have always been polite and helpful and telling me how to submit forms over the internet in email and I've been able to get new debit cards quite quickly with their service. They even went the extra mile to inform me I was sending my transfers to the wrong address.

I will continue to bank with them unless someone comes up with a much higher interest rate on their high yield checking accounts that won't drop overnight. I've tried a few others and yes there is the gimmick to get you to join with the high interest rates that you'll get for basically one month before the real interest rates kick in which is around 2% to 2.72% apy. With little to no risk these are great interest rates you can't get anywhere in a SAVINGS account. Yes you have to make 10-15 purchases per month with your card but who doesn't do that anyways? Buying groceries and gas and dining out easily take up those few purchases per month to net you those great interest rates.