Ally to US Bank Smartly
Hi all - Looking for some input from current US Bank banking customers. I have had the Kroger Mastercard through the US Bank since college (10 years ago), but I haven’t really used it since I moved to Florida (away from all the Krogers). Since I previously couldn’t product change out of the co-branded card, and I’ve long been wanting a pure-play cash back card, I’m actually happy that the Kroger card has been discontinued and I’m being automatically moved to the Smartly card.
When I started looking into the Smartly card details, I noticed the additional cash back when linked to a Smartly checking/savings. I also noticed how high the Smartly savings rates are (around 4% in my area). That’s 1% higher than my current bank (Ally - also ~10 years as a customer). So for 3-4% cash back on the Smartly card and 4% on Savings, I’m considering the switch from Ally to US Bank. Plus the added peace of mind with US Bank having some sort of physical locations while Ally is only online.
Curious of opinions on customer service, app reliability, etc. I’ve only had to contact support at both institutions once or twice each in a decade about minor questions. I don’t have any specific complaints about Ally, it just seems like an enticing offer to have it all consolidated at US Bank.
Thanks in advance!