Latest reviews

Reddit · r/personalfinance · 6 days ago

They opened a CIT HYSA for its high promotional-era rate, but it gradually dropped, so they moved to Fidelity Cash Management. They never needed customer service and found everything straightforward online.

Reddit · r/personalfinance · 17 days ago

Left after support gave out account info without any identity validation.

Reddit · r/personalfinance · 17 days ago

Leaving after ten years because Ally could not resolve fraud charges it flagged.

Reddit · r/personalfinance · 23 days ago

After the Discover merger, this reviewer closed their account because of a strong dislike of Capital One, which they say outweighs more than 20 years with Discover. They cite Capital One's high complaint volume.

Reddit · r/personalfinance · 31 days ago

Their CIT HYSA rate dropped well below the level it started at, but when they tried to transfer out the balance the app offered a higher retention rate, which they accepted.

Reddit · r/personalfinance · 31 days ago

They have been a CIT customer since 2023 and say a retention rate boost appears when they try to transfer a large amount out, though each boost is limited-time and their latest one lasted 12 months.

Reddit · r/personalfinance · 31 days ago

They hold a CIT Platinum HYSA and mention periodic promo boosts for new and existing customers, but say getting a boost applied to an existing account is a hassle that required calling in.

Reddit · r/personalfinance · 37 days ago

They call the CIT HYSA fine overall but warn the rate drops without notice, falling by more than a percentage point for them. CIT did boost their APY for a year when they tried moving the money out.

Reddit · r/CreditCards · 50 days ago

They had a Synchrony high yield savings account and moved their money out after Synchrony closed many of their credit accounts without explanation despite perfect payment history.

Reddit · r/personalfinance · 70 days ago

No issues with Marcus HYSA; intuitive app, good yield and money moves fast enough.

Reddit · r/personalfinance · 70 days ago

Used Marcus in the past and it was fine.

Reddit · r/personalfinance · 72 days ago

Marcus is very easy to set up and use.

Reddit · r/personalfinance · 73 days ago

Their Discover savings migration was very hands-off. Capital One found their existing user ID and merged the savings into their Capital One savings, managed in the same app as their credit card.

Reddit · r/CreditCards · 76 days ago

Has used a Barclays Tiered Savings account as the autopay hub for all their credit cards for about two months with no issues.

Reddit · r/Banking · 80 days ago

Reported unauthorized wire within five minutes but was bounced around for two hours before the recall was sent.

Reddit · r/Banking · 80 days ago

Similar fraud dispute went nowhere; moved all funds out.

Reddit · r/Banking · 81 days ago

They applied for a CIT Bank Platinum Savings account because of its rate and 2FA options, but the application was rejected. They ended up opening a different bank's savings account instead.

Reddit · r/Banking · 81 days ago

They use CIT Bank alongside two other online banks for savings and think CIT offers a bonus rate tied to deposit size, but dislike that it relies on SMS for two-factor login.

Reddit · r/personalfinance · 81 days ago

Was with Ally for a decade and it was great.

Reddit · r/personalfinance · 87 days ago

Reports Amex lowering the savings rate nearly every month since opening, saying a money market fund would have paid more apart from the sign-up bonus.

Reddit · r/personalfinance · 89 days ago

Opened the Amex savings account through a personal bonus offer, reports problems getting the promised bonus and poor service from two representatives, and moved the money to another bank.

Reddit · r/Banking · 98 days ago

Says a large transfer out of the Amex savings account to a brokerage was rejected and the funds were stuck for days, with support unable to say when a check would be sent.

Reddit · r/Banking · 98 days ago

Says American Express has always been great to them, including the high yield savings account.

Reddit · r/personalfinance · 106 days ago

After the merger, a bill pay payment to Discover using the old account number was not acknowledged by Capital One. Phone support passed them between four people, none of whom helped, and they call it a bad look.

Reddit · r/Banking · 107 days ago

Account closed within two days with no reason given and support giving runaround responses.

Reddit · r/Banking · 108 days ago

Ten-plus-year customer had the account restricted; hours on the phone with horrific customer service.

Reddit · r/personalfinance · 112 days ago

During the Discover migration they noticed the savings rate at Capital One is lower than it was at Discover. They also find the shuffling of cards and accounts for them and their husband ridiculous.

Reddit · r/CreditCards · 113 days ago

They keep their savings in the Amex high yield savings account, which has worked well and paid a good return for months. They plan to stay unless the APY drops considerably.

Reddit · r/personalfinance · 115 days ago

Had issues getting their money out and constant double talk from support, then pulled it all out.

Reddit · r/personalfinance · 126 days ago

Their CIT Bank savings rate has drifted down, and although CIT is advertising a higher rate they have not bothered to call and ask for it, since chasing rates is not worth the hassle to them.

Reddit · r/personalfinance · 131 days ago

Five years with Marcus HYSA, no issues, quick transfers and helpful customer service.

Reddit · r/personalfinance · 132 days ago

After the Discover to Capital One transition, their first statement appeared to pay interest on only 10 days instead of the usual 30 or 31, and they asked whether others saw the same.

Reddit · r/personalfinance · 135 days ago

Has banked with Capital One for a while, moving from a card to the savings account and then checking, with no complaints. They say the savings rate follows the Fed and transfers with checking are instant both ways.

Reddit · r/personalfinance · 135 days ago

Was unable to add their spouse to the savings account after four tries, even though the spouse was already joint on the credit card, so they moved their savings to Ally.

Reddit · r/personalfinance · 135 days ago

Has used Capital One since it bought ING, their original online bank, and can count on one hand the issues they have had in over fifteen years.

Reddit · r/personalfinance · 135 days ago

Their Discover savings account migrated to Capital One overnight, and all it took was downloading the Capital One app and logging in with their old Discover credentials, with the savings right there.

Reddit · r/personalfinance · 135 days ago

Loves Capital One overall, but their only disappointment is that the savings rate changes with zero notification, so you have to keep watching it.

Reddit · r/personalfinance · 135 days ago

Their move from Discover to Capital One took only a weekend. They were told not to start transfers from Thursday, and their funds were never inaccessible and all arrived in Capital One by Monday.

Reddit · r/personalfinance · 135 days ago

They have checking and savings with Capital One. When they had an issue setting up a second account for someone, support was phenomenal, and they like the easy transfers and widespread ATMs.

Reddit · r/personalfinance · 135 days ago

They have found Capital One solid for about six years, starting with credit cards and later moving their checking and high-yield savings over from SoFi. They do all their banking there and have no complaints.

Reddit · r/Banking · 142 days ago

Small withdrawal repeatedly denied despite phone verification; now getting savings out of a nightmare of an account.

Reddit · r/personalfinance · 144 days ago

Keeps emergency fund and a down-payment fund at Marcus; transfers were seamless, though out-transfers take a couple of days.

Reddit · r/personalfinance · 158 days ago

Did not like Marcus or Ally and closed both accounts.

Reddit · r/Banking · 164 days ago

New HYSA was restricted days after the first deposit over suspicious logins that the user says were not theirs.

Reddit · r/Banking · 168 days ago

Withdrawal blocked soon after opening with no timeline from the security team; regrets switching.

Reddit · r/CreditCards · 175 days ago

Keeps a small balance in the Amex savings account because it can send ACH transfers the same day when money is needed quickly.

Reddit · r/personalfinance · 178 days ago

Chose the Amex savings account for its rate at the time but sees it lowered about twice a year and is considering moving the funds.

Reddit · r/personalfinance · 178 days ago

Remembers Amex savings having the highest rate years ago but now finds the APY low and among the worst.

Reddit · r/Banking · 184 days ago

Hit a missing-promo issue, complained to regulators, closed the account, and got the promo check after about 20 days.

Reddit · r/personalfinance · 186 days ago

Seven years with Marcus and Amex with no issues; Marcus has the higher rate and a solid app.

Reddit · r/Banking · 188 days ago

Likes Amex checking and savings, noting app-based mobile deposits and instant transfers between the two accounts, with external transfers taking about two business days.

Reddit · r/personalfinance · 190 days ago

They applied for a CIT Bank high yield savings account and were rejected, even after updating their ID and reapplying, and customer service only gave generic answers without a real reason.

Reddit · r/Banking · 206 days ago

They opened a CIT HYSA and funded it by transfer, but the account was closed the next day over a fraud suspicion and the transfer was held for weeks. After escalating, the account was reopened and the funds restored.

Reddit · r/personalfinance · 210 days ago

They kept a Synchrony online savings account for ATM withdrawals abroad but found those withdrawals nearly impossible in many countries and the rate lagging, so they are closing it and moving to Fidelity.

Reddit · r/fidelityinvestments · 217 days ago

Has been with Ally a while and likes it, but the transaction limits are a major drawback.

Reddit · r/personalfinance · 217 days ago

Switched to SoFi because of Ally's transaction limit but thinks they preferred Ally.

Reddit · r/Banking · 248 days ago

Opening a new account required a call and repeated identity verification across several agents.

Reddit · r/personalfinance · 252 days ago

Chose the Amex savings account since they already use Amex, finding it fine except for inconsistent timing on when deposited or withdrawn money becomes available.

Reddit · r/Banking · 261 days ago

Uses Marcus to autopay credit cards and earn float interest; seven years without a single issue.

Reddit · r/Banking · 261 days ago

Marcus would not release the emergency fund when needed; money eventually transferred.

Reddit · r/Banking · 261 days ago

Years with Marcus, never any problems; keeps only an emergency fund there.

Reddit · r/personalfinance · 274 days ago

Has used Amex for savings and CDs for a while and says it has always been good.

Reddit · r/personalfinance · 275 days ago

After Ally rejected their savings application, opened an Amex savings account with zero problems.

Reddit · r/personalfinance · 275 days ago

Ally instantly rejected their high yield savings application, so they went to Amex instead.

Reddit · r/personalfinance · 275 days ago

Has been with Ally for about a decade without a problem and has no plans to leave.

Reddit · r/personalfinance · 275 days ago

Has had the Amex savings account since it first opened, before there was an app, and likes having credit card, savings and checking together in one app.

Reddit · r/personalfinance · 275 days ago

Uses the Amex savings account and likes paying the credit card directly from it while earning a little interest as money sits there.

Reddit · r/personalfinance · 275 days ago

Has used Ally for years and loves the app and the bucket system.

Reddit · r/Banking · 282 days ago

They find the CIT HYSA rate decent but say the app and website go down every few months and lock them out. During one outage a representative confirmed the site was down, and they considered switching.

Reddit · r/Banking · 289 days ago

Uses Betterment's Cash Reserve as a high yield savings account but found that extra Cash Reserve accounts cannot be named, a problem for tracking separate goals.

Reddit · r/personalfinance · 293 days ago

Marcus does everything needed for a HYSA, no complaints; misses the old app graph.

Reddit · r/personalfinance · 295 days ago

Moved a large sum out of Marcus for a car purchase in one day.

Reddit · r/personalfinance · 296 days ago

They say their Performance Savings rate has now dropped to a lower level than before and keeps dropping, which they find frustrating as a saver with the account.

Reddit · r/Banking · 302 days ago

Worst issues dealing with Marcus when trying to wire funds for a home closing.

Reddit · r/personalfinance · 304 days ago

They call their CIT HYSA a great experience and reassured another user who was worried that a new deposit showed a zero available balance.

Reddit · r/personalfinance · 305 days ago

They held a high yield savings account and CDs at Synchrony for slightly better rates than Ally, but left over blocked data aggregators, no Zelle, slow transfers and unresponsive support.

Reddit · r/personalfinance · 305 days ago

They have used Synchrony high yield savings since 2018 with no issues, paying cards, loans and mortgage from it, with stable rates and a free money market and checkbook; outgoing transfers can take about three days.

Reddit · r/personalfinance · 309 days ago

They say interest is calculated by days in the account and the monthly payout is correct. Their rate has dropped from the rate when they applied to a lower one, so they see less interest.

Reddit · r/personalfinance · 310 days ago

They hold a Wealthfront high-yield cash account and note its rate is temporarily boosted, expecting it to fall back to a lower standard rate in a few months, which makes them weigh moving funds elsewhere.

Reddit · r/personalfinance · 318 days ago

Deposits into Marcus are slow though withdrawals are quick; prefers Amex but uses both.

Reddit · r/personalfinance · 329 days ago

Long-time customer with two savings accounts and four CDs; absolutely no issues and easy transfers.

Reddit · r/personalfinance · 344 days ago

Recommends the Amex savings account after its combined login with credit cards was initially wonky, citing no minimum balance and no problems with transfers or fees.

Reddit · r/personalfinance · 344 days ago

Finds it very easy to transfer money in and out but notes Amex has been steadily lowering the rate.

Reddit · r/personalfinance · 344 days ago

Likes managing the Amex savings account and credit card in one app and finds the rates good enough.

Reddit · r/personalfinance · 344 days ago

Says Amex savings has been good, with an easy interface, good service and rates that follow the market, including upward.

Reddit · r/personalfinance · 344 days ago

Used the Amex savings account and found it fine but moved to Fidelity for personal reasons.

Reddit · r/Banking · 354 days ago

Picked Ally for no direct deposit minimum; no issues with transfers or payments and paychecks arrive a day early.

Reddit · r/Banking · 357 days ago

Ally works great as a joint account but its savings withdrawal limit makes autopay awkward.

Reddit · r/personalfinance · 360 days ago

Loves the transfer speed and ease of use of the Amex savings account.

Reddit · r/personalfinance · 360 days ago

Uses Amex for both checking and savings, citing fast transfers and good interest rates plus a small rate on checking.

Reddit · r/personalfinance · 360 days ago

Finds the Amex savings account convenient, including paying off a credit card balance instantly from it.

Reddit · r/personalfinance · 360 days ago

Says the Amex savings rate may not be the highest, but transfers are free and easy and the site and app are intuitive.

Reddit · r/personalfinance · 360 days ago

Chose the Amex savings account after research and likes easy, fast unlimited transfers to their credit union.

Reddit · r/personalfinance · 360 days ago

Moves money easily between Chase and the Amex savings account and highly recommends it.

Reddit · r/personalfinance · 360 days ago

Keeps an Amex savings account as a separate emergency fund, accepts that a money market could yield more, and finds transfers to and from Schwab easy within a day or two.

Reddit · r/personalfinance · 360 days ago

Values the Amex savings account for moving money quickly, using it to get funds to a new bank account that would not accept transfers from other banks, despite a not-the-best rate.

Reddit · r/personalfinance · 360 days ago

Opened Ally for the best rate at the time and, though no longer the highest, loves the bucket feature.

Reddit · r/fidelityinvestments · 369 days ago

Says Ally turned to garbage and left for a credit union and another HYSA.

Reddit · r/fidelityinvestments · 385 days ago

They tried twice to link their Capital One 360 Savings to a new Fidelity Roth IRA. Micro-deposits verified, but Fidelity then sent direct debit failure alerts, and they found contradictory answers on whether transfers are possible.

Reddit · r/personalfinance · 385 days ago

New HYSA with Marcus, seems decent so far.

Reddit · r/Banking · 393 days ago

They were happy with the rate for a while but moved almost everything out in mid-2024 as rates fell. They note new accounts get a better rate than existing customers, and the help line could not say what would happen on reopening.

Reddit · r/Banking · 403 days ago

Delighted after many years; would need a 100k balance at a local bank to get what Ally gives for free.

Reddit · r/fidelityinvestments · 407 days ago

Moved away from Ally nearly two years ago and missed its savings buckets, working around it with a Google Sheets tracker.

Reddit · r/personalfinance · 415 days ago

Had to email identity documents, confirmed with support that the request was real, and the account only activated after they called.

Reddit · r/Banking · 421 days ago

Horrific time with Ally, from customer service issues to math errors; only still likes the buckets.

Reddit · r/personalfinance · 436 days ago

Closed their Amex savings account for a Fidelity money market fund with a higher yield.

Reddit · r/personalfinance · 437 days ago

Moved to Wealthfront after frustrations with SoFi and uses its categories and automatic paycheck splitting, with every category earning the same rate as the main cash account.

Reddit · r/personalfinance · 437 days ago

Uses Capital One 360 Performance Savings accounts for emergency and house funds, both accessible in one login.

Reddit · r/Banking · 443 days ago

Has used Barclays for savings for years with no issues.

Reddit · r/Banking · 446 days ago

Marcus locked the account and would not let them wire a CD back because they could not verify identity.

Reddit · r/personalfinance · 454 days ago

Has an Amex savings account that started at a higher rate and fell steadily, moving part of it to Treasury bills, but never had trouble withdrawing or making free ACH transfers.

Reddit · r/Banking · 471 days ago

Long-time customer whose account was restricted, calls it a nightmare to regain access and says customer service has gone downhill, so they withdrew everything.

Reddit · r/personalfinance · 472 days ago

Has used Betterment for years for passive investing and emergency savings, notes the Cash Reserve has no fee, and has had no problems retrieving deposited funds.

Reddit · r/personalfinance · 476 days ago

They use Capital One alongside Marcus. Because Marcus did not allow wires to title companies, they moved the money to Capital One to wire their house down payment.

Reddit · r/Banking · 488 days ago

Easy 95% of the time but could not help with cashier's checks, notarizing or savings bond deposits.

Reddit · r/Banking · 504 days ago

Says their Barclays savings account has been locked for almost a month for no clear reason.

Reddit · r/CreditCards · 507 days ago

Had separate logins for the Amex savings account and a new Gold card and was told they could not be merged, until a second call linked them under one login.

Reddit · r/personalfinance · 521 days ago

They have used Capital One's high-yield savings for years without an issue, and consider any high-yield savings account a good choice.

Reddit · r/personalfinance · 567 days ago

Applied for the Barclays tiered savings account and was asked to email identity documents with no secure portal available, so they went with Ally instead.

Reddit · r/Banking · 577 days ago

They have used the Wealthfront Cash Account for over five years alongside retirement accounts, praising the friendly mobile and web apps, quick transfers to their regular bank, and no problems so far.

Reddit · r/Banking · 577 days ago

They consider Wealthfront fine overall, but an external transfer they tried to make out of the account soon after depositing was canceled because it looked like they were just shuffling money between banks.

Reddit · r/Banking · 577 days ago

They like their Wealthfront Cash Account and have no complaints, especially valuing the included debit card that lets them spend the funds directly instead of transferring money back and forth.

Reddit · r/Banking · 577 days ago

A former Wealthfront account holder who had positive experiences overall, but notes that it is not a bank and that customer service is handled only through messaging, with no phone number.

Reddit · r/Banking · 584 days ago

Transfers out are declined and funds withheld without interest; support is lacking with long holds.

Reddit · r/fidelityinvestments · 599 days ago

Used Ally exclusively for excess cash before standardizing on Fidelity money market funds, valuing their auto-liquidate convenience.

Reddit · r/fidelityinvestments · 602 days ago

A transfer link to a Fidelity account that worked the previous week was auto-canceled and unlinked one morning. They suspect an audit process is catching these transfers.

Reddit · r/fidelityinvestments · 602 days ago

They transferred from their Capital One 360 savings to a Fidelity cash management account this week by pushing the transfer from the Capital One side, and it worked.

Reddit · r/fidelityinvestments · 602 days ago

They had trouble sending money from Capital One to a Fidelity CMA. Moving it from savings to Capital One checking via instant transfer first, then pushing to Fidelity, worked, though they do not know why.

Reddit · r/Banking · 602 days ago

Likes Marcus for HYSA and CDs; easy setup and transfers to and from other banks usually within 24 hours.

Reddit · r/fidelityinvestments · 611 days ago

Had an EFT from a newly opened Amex savings account rejected and the account restricted pending verification, causing trouble re-linking it to Fidelity.

Reddit · r/Banking · 616 days ago

Holds a CIT Platinum Savings account and, when they tried to move a large sum out, was offered a higher rate for twelve months with no strings they could spot, leaving them wondering what the catch was.

Reddit · r/Banking · 619 days ago

Opened the savings account, linked their bank and funded it, then was locked out and spent a month proving ownership by emailing a bank statement.

Reddit · r/Banking · 623 days ago

Is a big fan of the Amex savings account, finding it easy to open and to move money in and out over a couple of years.

Reddit · r/personalfinance · 625 days ago

Keeps all their money in a Wealthfront Cash Account earning interest without moving money between checking and savings, and says it has been perfect from day one.

Reddit · r/Banking · 638 days ago

They enjoyed the CIT HYSA but kept hitting login glitches, with the verification step showing other phone numbers and needing several attempts to sign in. They eventually withdrew everything.

Reddit · r/Banking · 640 days ago

Deposited into the Barclays savings account and was locked out when linking an outside bank, going nearly two weeks without access with unhelpful support.

Reddit · r/Banking · 657 days ago

Debit card was compromised and Ally never sent a replacement despite two calls; site also down often.

Reddit · r/Banking · 664 days ago

They opened a Synchrony high yield savings account but could not link their local bank as an external account, and support was no help, leaving them worried about moving funds back out.

Reddit · r/fidelityinvestments · 693 days ago

Closed their Amex savings account to move to a Fidelity CMA for a higher rate.

Reddit · r/fidelityinvestments · 693 days ago

Wired a large sum from their Amex savings account to Fidelity and found the funds available the same day with no fees on either end.

Reddit · r/Banking · 696 days ago

Sent in requested documents to open a Barclays savings account and a month later heard nothing back despite support promising a date.

Reddit · r/Banking · 699 days ago

Deposited into the Barclays savings account and was locked out as a restricted account with no physical branch and limited customer service hours.

Reddit · r/Banking · 705 days ago

Left the Amex savings account for a higher-rate online bank, advising to shop around and check FDIC insurance.

Reddit · r/personalfinance · 706 days ago

They have kept a CIT HYSA as an emergency fund for a long time with no issues on deposits, but a larger outgoing transfer kept redirecting to a promo-rate offer page, so they had to split it into smaller transfers.

Reddit · r/Banking · 712 days ago

Has used the Barclays savings account for years without a single issue and also holds CDs there.

Reddit · r/personalfinance · 713 days ago

Uses Barclays and calls it a fine bank with decent returns, noting transfers can take a couple of days.

Reddit · r/Banking · 799 days ago

Three holds in a month and long calls with incompetent support; a withdrawal was reversed and funds held again.

Reddit · r/Banking · 809 days ago

Calls the experience shady and incompetent; account locked and customer service unable to return the funds.

Reddit · r/Banking · 809 days ago

Has a Marcus account without issue.

Reddit · r/Banking · 816 days ago

First withdrawal after 18 months triggered an identity-verification lock with no access and terrible phone support.

Reddit · r/Banking · 857 days ago

Using Marcus since 2016; great, high rates, easy transfers and free wires, apart from a recent app crash.

Reddit · r/Banking · 869 days ago

Account closed for inactivity without notice and the money sent to the state, never shown as unclaimed property.

Reddit · r/Banking · 890 days ago

Two weeks of customer care runaround trying to transfer money out with no progress.

Reddit · r/Banking · 920 days ago

Transfers from a joint HYSA to an account in the partner's name were declined over a name mismatch.

Reddit · r/Banking · 925 days ago

Says Ally looks for any excuse to put a fraud hold and lock you out of your own money.

Reddit · r/personalfinance · 934 days ago

Three problems in a year and poor customer service; planning to move to another high-yield account.

Reddit · r/personalfinance · 935 days ago

Wire limits nearly blocked a house closing and customer service was poor.

Reddit · r/personalfinance · 935 days ago

Account was frozen and took many rounds with customer support to unfreeze.

Reddit · r/personalfinance · 935 days ago

Satisfied for almost 15 years; loves that domestic ATM fees are reimbursed.

Reddit · r/personalfinance · 935 days ago

Ten years with no issues and competitive rates.

Reddit · r/personalfinance · 935 days ago

Online-only since 2010; wiring a down payment was simple and they called to confirm.

Reddit · r/personalfinance · 935 days ago

Four years with Ally and no complaints.

Reddit · r/personalfinance · 935 days ago

Slow check clearing and transfers, a clunky website and impossible phone help.

Reddit · r/personalfinance · 935 days ago

Loves it, but transfers to and from a credit union take four to five days.

Reddit · r/personalfinance · 935 days ago

Loves the buckets feature, no fees and good rates.

Reddit · r/personalfinance · 935 days ago

Likes the overdraft pull from savings, mobile check deposit and Zelle.

Reddit · r/Banking · 960 days ago

A year with Marcus, enjoying it, rate rose several times and the app is easy to use.

Reddit · r/Banking · 1000 days ago

Withdrawal blocked and account frozen without explanation; about eight calls over three weeks.

Reddit · r/Banking · 1000 days ago

Nightmare experience trying to get Marcus to wire money to a brokerage.

Reddit · r/Banking · 1024 days ago

Locked after transferring to a new unlinked account within three months of funding; unable to withdraw the rest.

Reddit · r/Banking · 1035 days ago

Several years using Marcus HYSA and CDs with no complaints.

Reddit · r/Banking · 1062 days ago

Holds most cash at Ally for interest, deposits cash via Chase; transfers can take a couple days.

Reddit · r/Banking · 1074 days ago

Calls Marcus extremely unreliable and says getting your money back is hard.

Reddit · r/Banking · 1120 days ago

App and check deposit kept failing on and off for three months, so switched to Capital One.

Reddit · r/Banking · 1120 days ago

Great bill pay and app; support communicates clearly and resolves problems; made Ally their primary bank.

Reddit · r/Banking · 1121 days ago

Uses Ally for HYSA and checking, never has issues and is pleased; 24/7 support.

Reddit · r/Banking · 1199 days ago

Account locked during a transfer out for not sending money back to its source; closed accounts after a nightmare.

Reddit · r/Banking · 1199 days ago

Account locked with no explanation; many hours on the phone over six months before getting access.

Reddit · r/Banking · 1199 days ago

Moved two large sums out of Marcus savings without any issue.

Reddit · r/personalfinance · 1211 days ago

Marcus closed their account after about three months with no reason stated.

Reddit · r/Banking · 1229 days ago

Easy to use; they answer the phone and are helpful.

Reddit · r/personalfinance · 1307 days ago

Likes that interest earns from day one on transfers in and that the app is very easy to use.

Reddit · r/personalfinance · 1307 days ago

Made buckets for travel, insurance and annual expenses in Ally and loves it.

Reddit · r/personalfinance · 1308 days ago

Interest always paid on time and customer service reached on every call; no ATM card has not been a drawback.

Reddit · r/personalfinance · 1308 days ago

Uses Ally as primary savings for years; likes the set-and-forget approach and buckets.

Reddit · r/personalfinance · 1308 days ago

Keeps bulk of savings at Ally because they do not play rate-name games and have buckets.

Reddit · r/personalfinance · 1311 days ago

Account inaccessible for ten days over technical issues, and customer service and tech were poor.

Reddit · r/personalfinance · 1320 days ago

Extremely easy to deposit, funds earn interest immediately, nice interface, and enjoys checking monthly interest.

Reddit · r/personalfinance · 1324 days ago

Has held several Ally accounts with no issues; rates on par with other online savings accounts.

Reddit · r/personalfinance · 1337 days ago

Pretty good; deposits can be slow but earn interest immediately, and the one transfer out finished in two days.

Reddit · r/personalfinance · 1339 days ago

Long-time customer locked out of the account for three months with no timeline from Ally to fix it.

Reddit · r/personalfinance · 1353 days ago

Could not link BoA to Marcus despite hours on the phone with both banks and had to route via a third bank.

Reddit · r/personalfinance · 1360 days ago

Holds savings at Ally and moves money to a credit union to spend; about six years with no problems.

Reddit · r/personalfinance · 1360 days ago

Uses Ally savings, never had an issue in about five years.

Reddit · r/personalfinance · 1360 days ago

About a decade with Ally and never any issues with service or customer service.

Reddit · r/personalfinance · 1360 days ago

Years of Ally savings with no complaints; loves the buckets feature.

Reddit · r/personalfinance · 1360 days ago

Moved all liquid cash to Ally savings two years ago, decent returns and likes the buckets.

Reddit · r/personalfinance · 1368 days ago

Fraud was blocked but replacing the debit card took 45-minute to two-hour hold times; they left for a credit union.

Reddit · r/personalfinance · 1368 days ago

With Ally since it was GMAC with no issues.

Reddit · r/personalfinance · 1369 days ago

An hour wait on a transfer issue, never got through, and the message to close the account got no reply.

Reddit · r/personalfinance · 1373 days ago

Long-time customer happy that Marcus raises rates as fast as it cuts them.

Reddit · r/personalfinance · 1375 days ago

Marcus locked and closed the savings account and would not give a reason when called.

Reddit · r/personalfinance · 1381 days ago

Nice app and web, support never has a wait and resolves things fast, likes the buckets feature.

Reddit · r/personalfinance · 1382 days ago

Ten years with Ally and no problems.

Reddit · r/personalfinance · 1382 days ago

Has used Ally as a HYSA for several years with no issues.

Reddit · r/personalfinance · 1382 days ago

Switched two years ago, no complaints, uses the site and app regularly.

Reddit · r/Banking · 1386 days ago

Ally would not let them open an account despite repeated tries and contacting customer care.

Reddit · r/Banking · 1387 days ago

Ally also refused to open an account and would not say why.

Reddit · r/personalfinance · 1403 days ago

Marcus representatives have all been incredibly nice and apologetic while sorting out a transfer problem.

Reddit · r/personalfinance · 1405 days ago

Likes Ally a lot; buckets in savings show what you are saving for and CD rates are good.

Reddit · r/personalfinance · 1406 days ago

Finds Ally approachable and easy to use and keeps their savings there.

Reddit · r/personalfinance · 1444 days ago

Uses Marcus as a HYSA; simple app and rates always equal or above others.

Reddit · r/personalfinance · 1526 days ago

Likes Marcus: competitive HYSA rates and fast, sometimes same-day, ACH transfers.

Reddit · r/personalfinance · 1526 days ago

Marcus is great with a simple UI and fast ACH transfers.

Reddit · r/personalfinance · 1553 days ago

Uses Ally as a set-and-forget savings account, pulling money in from a credit union; transfers take a few days.

Reddit · r/personalfinance · 1553 days ago

Linked Ally to another savings account, transfers take 1-2 business days, no fees or issues.

Reddit · r/personalfinance · 1553 days ago

Ten years with Ally savings and CD ladders; no problem even when liquidating most of the account.

Reddit · r/personalfinance · 1553 days ago

Impressed that Ally raised its interest rate on its own, unlike CIT.

Reddit · r/personalfinance · 1553 days ago

Ally once blocked the account after a large push transfer.

Reddit · r/personalfinance · 1553 days ago

Over a decade using Ally as a hub; never blocked even with hundreds of thousands in transfers.

Reddit · r/personalfinance · 1553 days ago

Satisfied with Ally; transfers in and checks occasionally with activity alerts.

Reddit · r/personalfinance · 1553 days ago

Multiple Ally savings accounts for 15 years, completely happy with no problems.

Reddit · r/personalfinance · 1595 days ago

Moved everything to Marcus from Capital One over missing 2FA and because of better rates.

Reddit · r/personalfinance · 1606 days ago

Used Marcus as a parking place and made several investment purchases from it with no issues.

Reddit · r/personalfinance · 1617 days ago

Held card authorizations past posting; switched to SoFi.

Reddit · r/personalfinance · 1617 days ago

Excellent and no regrets switching.

Reddit · r/personalfinance · 1641 days ago

Decent interest, easy transfers and app, and good customer service when needed.

Reddit · r/personalfinance · 1642 days ago

Has Marcus with no issues; easy to use, FDIC insured, liquid with comparable rates.

Reddit · r/personalfinance · 1642 days ago

Marcus is fine but was very quick to cut rates when the Fed did.

Reddit · r/Banking · 1662 days ago

Three years with Ally checking and HYSA, zero issues, and the one support call was helpful.

Reddit · r/personalfinance · 1757 days ago

Uses Marcus for the emergency fund, very happy with the website and app, and transfers out work fine.

Reddit · r/Banking · 1848 days ago

Tried three online banks and found Ally the best so far, with plenty of transfers to Coinbase without issue.

Reddit · r/personalfinance · 1954 days ago

Loves the buckets feature, though the APY drop was disappointing.

Reddit · r/personalfinance · 1954 days ago

Great for years but there is no branch for large withdrawals or cashier's checks.

Reddit · r/personalfinance · 1954 days ago

More than a decade with no complaints; buckets are great and hold times are under two minutes.

Reddit · r/personalfinance · 1954 days ago

Free checks, ATM fee reimbursements and buckets made switching from Chase a no-brainer.

Reddit · r/personalfinance · 1954 days ago

A transfer pulled from the wrong sub-account and was denied, forcing a workaround each time.

Reddit · r/personalfinance · 2033 days ago

Likes Marcus but liked it more when rates were higher.

Reddit · r/personalfinance · 2033 days ago

3.5 years with Marcus and over five with Barclays, both great; Marcus has better customer service.

Reddit · r/personalfinance · 2034 days ago

A year and a half with Marcus and no issues.

Reddit · r/personalfinance · 2056 days ago

Adores Ally, uses it as a main bank and has referred friends informally.

Reddit · r/personalfinance · 2056 days ago

Five years in; the app works fine and support was courteous and helpful.

Reddit · r/personalfinance · 2056 days ago

Issue after issue, including two rejected bill payments.

Reddit · r/personalfinance · 2056 days ago

Applied three weeks earlier and never heard back.

Reddit · r/personalfinance · 2056 days ago

Withdrawing a large amount of cash was cumbersome with ATM limits.

Reddit · r/personalfinance · 2056 days ago

Tech-forward and support has been a delightful experience.

Reddit · r/personalfinance · 2060 days ago

Transfer for a closing took over a day to show up; will not use Marcus again.

Reddit · r/personalfinance · 2101 days ago

Keeps five Ally savings accounts as separate buckets, one login and one 1099 a year, so no extra effort.

Reddit · r/personalfinance · 2101 days ago

Used the Ally savings account during a transition between banks and had nothing bad to say.

Reddit · r/personalfinance · 2126 days ago

Over ten years with Ally and never an issue; originally joined for ATM fee reimbursement.

Reddit · r/personalfinance · 2127 days ago

Switched to Ally after 10+ years with Capital One; Ally has been good so far and met their requirements.

Reddit · r/personalfinance · 2127 days ago

Loves Ally: good customer service, nice website and app, easy check deposits and transfers, no fees.

Reddit · r/personalfinance · 2127 days ago

Used Ally for years and closed only to consolidate accounts; nothing but good news.

Reddit · r/personalfinance · 2129 days ago

No major issues with Ally except the app not always accepting electronic check deposits.

Reddit · r/personalfinance · 2129 days ago

No issues in 2.5 years on a joint savings account, including moving thousands out for property taxes.

Reddit · r/personalfinance · 2160 days ago

Uses Ally with a fine UI; the bucket feature helps manage irregular bills, gifts, a car fund and vacations.

Reddit · r/personalfinance · 2160 days ago

With Ally and very happy with the mobile app and large check deposit limit; savings rate still competitive.

Reddit · r/personalfinance · 2160 days ago

Opened Ally and found the iOS app and UX poor compared with Qapital.

Reddit · r/personalfinance · 2212 days ago

Never had problems getting funds out of Marcus savings; arrives in 1-2 business days.

Reddit · r/personalfinance · 2212 days ago

Could not get an official wire statement before closing; Marcus only mailed a balance letter.

Reddit · r/personalfinance · 2213 days ago

Repeated transfer problems: account locked, external account verification demanded, then the linked account deleted.

Reddit · r/personalfinance · 2240 days ago

Free checks were not shipped until the third call, an expedited-shipping refund never came, and management had poor follow-through.

Reddit · r/personalfinance · 2241 days ago

Emergency fund is there and customer service is great.

Reddit · r/personalfinance · 2242 days ago

A year with Marcus with no complaints on deposits or withdrawals, though the rate has steadily declined.

Reddit · r/personalfinance · 2319 days ago

Several years with Ally and only positive things to say; no account, ATM, check or card fees.

Reddit · r/personalfinance · 2319 days ago

Emergency fund sat in Ally savings with no app issues and easy transfers before moving to a credit union.

Reddit · r/personalfinance · 2319 days ago

Positive experiences, savings account for nearly a decade, easy site and app.

Reddit · r/Banking · 2353 days ago

Ten-plus years with Ally and never had a problem.

Reddit · r/personalfinance · 2356 days ago

Loves the buckets system and uses a bucket to collect interest as a reward.

Reddit · r/personalfinance · 2356 days ago

Moved from Chase for the rate and buckets; Ally paid more interest in a month than Chase in years.

Reddit · r/personalfinance · 2356 days ago

The support agent spent time helping navigate the site and account; gave top marks on the survey.

Reddit · r/personalfinance · 2356 days ago

Customer for years; opens extra savings accounts for goals and likes buckets and Surprise Savings.

Reddit · r/Banking · 2369 days ago

Nearly ten years with Ally savings accounts and never had an issue.

Reddit · r/Banking · 2370 days ago

Account locked within days of opening after a transfer, with little explanation from support.

Reddit · r/personalfinance · 2380 days ago

Much more pleasant than Capital One and clear about rate changes and why.

Reddit · r/personalfinance · 2387 days ago

Over eleven years with Ally with no issues; US-based call centers and chat support.

Reddit · r/personalfinance · 2397 days ago

Chose Ally over Discover for buckets, investing in one dashboard and a mobile app that works well.

Reddit · r/personalfinance · 2397 days ago

Runs nine free Ally savings accounts as envelopes.

Reddit · r/personalfinance · 2402 days ago

Three years with Marcus without an issue; good customer service and a website that works well.

Reddit · r/personalfinance · 2411 days ago

Whole emergency fund in Ally savings; small checking account with debit card gives fee-free ATM and instant access.

Reddit · r/personalfinance · 2411 days ago

Says Ally is not always friendly to customers who need to get their money out.

Reddit · r/personalfinance · 2411 days ago

Never had a problem moving tens of thousands out, even same day by wire.

Reddit · r/personalfinance · 2455 days ago

Still using Marcus and pretty happy apart from lowered interest.

Reddit · r/personalfinance · 2469 days ago

Says Ally is fine and its customer service is good.

Reddit · r/personalfinance · 2486 days ago

With Marcus since 2016; fine and transfers to Chase are very quick.

Reddit · r/personalfinance · 2486 days ago

Recently opened an account and the new mobile app arrived; so far so good.

Reddit · r/personalfinance · 2493 days ago

Five to six years with Marcus; rates have always been on par with or above Ally.

Reddit · r/personalfinance · 2512 days ago

Held Ally several years but found its rates consistently lower than other options and moved on.