A Great On Line Bank!

    I started online banking with B of A in the 90's and was very pleased with the many advantages online banking offered. The cobo of brick and motor branches and ATM's everywhere made them hard to beat. I was very happy and reluctant to even consider any other bank even with my State Farm Agent's encouragement to check out SFB. However the day he said that I could use any ATM with any bank, etc. and SFB would return the charges to me, I took the time to check out SFB. I started with a Visa card to see how the internals of the Internet transactions were handled. I had big doulbs that this up start bank (1999) could really compete with my cutting edge, and mega size bank.

To my surprise and delight SFB surpassed all my expectations. The first thing I noticed was they provided just the right amount of security on my SFB Visa card and lower interests rate than B of A or other cards. Security is a big issue for me, I want it but not at the expense of needlessly shutting my card down or phone calls with every potential security breach. I was amazed with their spot on security detection.

Not only did they offer all the benefits of B of A but offered big advantages. The biggest advantage was being able to use any ATM, anywhere and pay no charges.SFB paid much higher interest rates on all my checking and savings accounts. The only draw back to this bank is if you or your business deals in cash. You will need to look around to find an ATM that will accept a cash deposit for your cash deposit needs. It's not a problem for my needs. If you can't find a local ATM that will accept cash deposits for SFB, you may want to maintain an account with the likes of B of A to handle your cash deposit needs.

One last thing, the service is great day or night, you get to talk to a real person quickly, that you can understand, and not have to wade through deep accents.