u/These_Ad8079

Switched to BMO thinking it would make things smoother but its been the complete opposite. Online banking has been glitchy from day one and some basic features just don't work. Zelle disconnected during the switch and still won't reconnect which has made handling regular payments way more annoying than it should be.

Running a small building company means cash flow is everything. Materials gotta get paid, workers need their wages, and waiting around for deposits to clear isn't it. BMO has been holding checks for over a week which is wild when that money is supposed to cover active jobs. What's worse is multiple branch employees told me the funds would drop the same day, then the release date kept getting pushed back over and over.

Customer service hasn't really helped either, calls usually end with another delay or some vague explanation while the money stays locked up. At this point it doesn't feel like a one off, its giving pattern. Anyone else banking with BMO dealing with long check holds or online banking problems like this. Tryna figure out if this is just how they operate or if i'm really that unlucky with timing.

I'm considering Robinhood Gold membership because it includes savings account access at 4.00% APY. The membership costs $5/month or $50/year. From what I've been researching, it's integrated with the brokerage platform and includes margin trading, extended hours, and research tools. The platform is legitimate but somewhat controversial.

What's making me hesitant is that it requires a subscription when there are free HYSA options available. I've been reading that the savings rate is competitive but not exceptional. The margin trading features are risky if you're not careful. The question is whether the membership is worth it or if I should just use a free savings account elsewhere.

Is Robinhood Gold membership worth the $5/month? Have you used it? What's the savings rate really like? Are the other features actually useful? Should I get it or use a free HYSA? Would you recommend it? What about the margin trading? Is it worth it? Should I subscribe or skip it? Is the integration with trading worth the cost?

I've been seeing Bread Savings advertise 1.65% APY and I'm wondering if it's actually legitimate or if there's a catch. From what I can tell, Bread Savings is a real bank with FDIC insurance, no monthly fees, and daily compounding. But I've been reading that they used to offer 4%+ rates which have dropped significantly. The $100 minimum is reasonable.

What's making me skeptical is the rate drop. It's still competitive but declining which is concerning for long-term savings. I've also read some reports about account freezing for security reasons which could be frustrating. The legitimacy seems solid transparent terms, no hidden fees, FDIC-insured. But is 1.65% actually worth it when other banks are offering 3-4% APY?

Is Bread Savings actually legit or should I be worried? Have you used them? What's your experience been? Did they freeze your account? Is the 1.65% rate worth it or should I look elsewhere? How does it compare to other banks? Would you recommend it for emergency funds? Are the rates likely to drop more? Should I open an account or keep looking?

I've been kicking myself for not opening a Laurel Road account when they were offering 5.15% APY. The account had no caps, no minimums, and zero monthly fees. From what I understand, they're no longer accepting new applicants for their HYSA, which is frustrating. People who got in early are apparently really happy with their rates.

The reason I'm bringing this up is because I'm wondering if I missed out on something genuinely good or if the rates were just temporarily inflated. The bank is legit and trusted, especially for student loan refinancing. But now that they've closed to new applicants, I'm trying to figure out if I should have jumped on it when I had the chance.

For those who got in, was the 5.15% rate actually worth it? Did you see any downsides to the account? What made you choose Laurel Road over other options? Are you still happy with your choice? What other banks are offering competitive rates now? Should I be looking at alternatives or waiting to see if they open up again?

I'm looking for banks that avoid ChexSystems and EWS reporting. I've had banking issues in the past and I'm looking for second chance options. SoFi, Chime, and USAA don't use ChexSystems. I've also heard Navy Federal and PenFed credit unions avoid it, there are limited options.

Some banks have other restrictions. I've also heard the options are limited. I'm trying to figure out which banks actually accept people with bad banking history. Which ones avoid it? Have you opened an account without ChexSystems? What was your experience? Is SoFi really good? What about Chime? Are they reliable? Would you recommend them? What about credit unions? Are they better? Should I try them? What about other options? I'd appreciate advice about ChexSystems-free banks.

I'm considering moving my accounts from my bank to a credit union and I'm wondering if I should. I've heard credit unions offer better rates and lower fees. I've also heard they provide personalized service and are member-owned. I've also heard they have limited ATM networks and fewer branches. I'm wondering if I should switch to credit union.

The thing that concerns me is that I want better rates but I also want convenience. Credit unions offer 3.26% CDs vs banks 2.41%. I'm trying to figure out if the rate difference is worth the convenience tradeoff.

Should I switch? Have you used credit unions? What was your experience? Are the rates really better? What about ATM access? Is it really limited? Would you recommend switching? What about technology? Is it slower? Should I keep both? What about my current bank? I'd appreciate advice about credit unions.

I received a Golden Eagle Lending mailer offering 3.89% on $70k and I'm wondering if it's legit or a scam. I've heard Golden Eagle Lending advertises attractive rates. I've also heard it's actually a debt relief company not a traditional lender. I've also heard there are bait-and-switch tactics and pre-approval letters are misleading. I'm wondering if Golden Eagle Lending is legit or if I should avoid it. I've heard the actual rates don't match what's advertised. I've also heard people report scam-like behavior. I'm trying to figure out if Golden Eagle Lending is legitimate or if it's a scam I should avoid. Have you dealt with Golden Eagle? What was your experience? Are the rates real? What about the bait-and-switch? How bad is it? Would you recommend it? What about the pre-approval letter? Is it real? Should I respond? What about other lenders? I'd appreciate advice about Golden Eagle Lending.

I'm considering switching to Pibank for their high APY but I'm worried about withdrawal limitations. I've heard Pibank offers 4.40-4.60% APY which is competitive. I've also heard deposits are extremely fast, same day or within hours. I've also heard withdrawals are slow and limited to wire transfers only. I'm wondering if Pibank is worth using for the high rates or if the withdrawal limitations are a dealbreaker.

The thing that concerns me is that I want high yields but I also want flexibility to access my money. I've heard Pibank has no fees and no minimum balance. I've also heard they lack ACH support and only support wire transfers. I'm trying to figure out if the high APY is worth the withdrawal hassle or if I should stick with a more flexible bank.

Are the rates really that competitive? What about the withdrawal speed? Is it really that slow? Would you recommend it? What about SoFi or Marcus? Do they have better withdrawal options? What about Discover or Ally? Are they more flexible? Should I use Pibank? What about keeping emergency funds there? I'd appreciate advice about Pibank.

I'm considering Bask Bank for a high yield savings account but I'm worried about safety and support. I've heard Bask Bank is backed by Texas Capital Bank and FDIC insured. I've also heard it has very high interest rates well above 3% APY. I've also heard Reddit has mixed reviews about transfer delays and support. I'm wondering if Bask Bank is actually safe or if it's just stressful.

The thing that concerns me is that I want high rates but I also want reliable support. I've heard Bask Bank has possible transfer delays and clunky support. I've also heard some people had fraud alerts on their accounts. I'm trying to figure out if Bask Bank is worth it or if I should use a different bank.

Have you used it? What was your experience? Is it FDIC insured? What about transfer delays? How's the customer support? Have you had issues? Would you recommend it? What about other banks? Are they better? Should I try Bask Bank? I'd appreciate advice about Bask Bank.

I'm considering using Proper Funding but I'm worried it might be a scam. I've heard Proper Funding is a loan broker, not a direct lender. I've also heard they submit applications to multiple brokers. I've also heard Trustpilot has positive reviews about simple applications and fast funding. I'm wondering if it's actually legit or if it's a bait-and-switch scheme.

The thing that concerns me is that I don't want to waste time or money on a sketchy company. I've heard BBB has complaints about contact numbers and approval process issues. I've also heard Reddit says it's legit but not what you want. I'm trying to figure out if I should use Proper Funding or find a direct lender instead.

Is it legit? Have you used it? What was your experience? Is it a scam? Are the rates real or examples? Do they actually fund loans? What about BBB complaints? Have you had issues? Should I use it? What about other brokers? Are they better? I'd appreciate honest feedback about Proper Funding.

I'm considering moving my savings to Synchrony Bank but I'm wondering if the rates are actually competitive. I've heard Synchrony offers 3.5-4.0% APY with no minimum balance and no fees. I've also heard some accounts offer up to 5.0% APY. I've also heard Synchrony is award-winning but I'm wondering if that's just marketing or if it's actually worth it.

The thing that concerns me is that I don't want to move my money and then find out there's a better option. I've heard Synchrony is consistently competitive but not the highest available. I've also heard it's popular on Reddit. I'm trying to figure out if Synchrony is a smart move or if I should shop around more.

Have you used Synchrony? What was your experience? Did the rate stay consistent? Would you recommend it? What about other options? Are there better rates elsewhere? How does it compare to other online banks? Is the FDIC insurance important? Should I move my money? I'd appreciate advice about Synchrony.

I'm considering opening an Amex high yield savings account but I'm wondering about withdrawal limits. I've heard there's no withdrawal limit on Amex HYSA. I've also heard there's a daily transaction limit of $25,000. I've also heard wire transfers have a $500 minimum. I'm wondering what the actual withdrawal limits are or if I can withdraw whenever I want.

The thing that concerns me is that I want to make sure I can access my money when I need it. I've heard that Amex has unlimited withdrawals per statement cycle. I've also heard about daily caps for large transfers. I'm trying to figure out if the withdrawal limits are flexible enough for my needs.

What's the actual withdrawal limit? Is there a daily cap? What about wire transfers? Can I withdraw unlimited amounts? How long do transfers take? Have you used Amex HYSA? What worked? Would you recommend it? Are there better options? I'd appreciate advice about Amex HYSA withdrawal limits.