Excellent For Debit Card Users, Better Accounts Out There For Others

I have gone through complete cycle with Perkstreet: opening, using and closing.   The positive of course is the perks for debit card users - the rewards are much better than your average checking accoiunt.  You can of course get better benefits from a credit card.   The routine "purchase today for 5% cash back" was too difficult to keep up with, in my own opinion.  I am unsure how the new debit card rules from congress will affect this account, and I have not seen them address that issue either.

The website was a cookie-cutter version that they purchased and extended to include their perks.  It works fine, but isn't anything cutting edge.

The fees (and there are plenty, including inactivity fee) make it difficult just to keep this account "just because", and you will need to ensure that you are using your account and managing your money accordingly every month.

Lastly, customer service was superb!  Everyone there was pleasant, understandable and helpful.  They offered perhaps the best customer service that I have experienced across 20+ banking institutions.