Very Happy With Incredible

My experience with Incredible bank for the past year has been terrific.

When I called the 1st time - a real person (Cindy) answered after just one ring. I've called a few times, and I always got a helpful person quickly. They also answered my emails quickly and acurately too.

They made it very clear when I called (and in follow-up emails) that I needed to signup for electronic statements to avoid the fee for paper statements - and it was fairly easy to do. If confused, just call and they will walk you thru it.

One strange thing: their "checking" account does not have checks. That is, you cannot write a personal check on the account. You can use their bill pay service to send a check (or electronic payment) but paper checks that you fill in by hand are not allowed - so this cannot be your primary checking account. They also do ACH transfers that can be entered online, but I had to first call and ask for the online ACH feature to be enabled (once enabled - it stays enabled).

Great rates (well - relative to other banks in these really low interest rate times) and excellent customer service.

Highly recommended.

-Rob