Charles Schwab
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Room to improve, but not bad
They are on the whole pretty good compared to their competitors. Their debit card is really handy and does not rip off on FOREX rates unlike most banks. It's the least hassle so far, and they have real people, not some poor English, scripted person in the third world parroting rubbish (looking at you Capital One and Chase, and Xfinity, the worst of the worst). Downsides:- Linking accounts is a hassle, as is typical with most institutions, it shatters into pieces for no particular reason with their "verification" algorithm that is poorly designed, relies on bad third party data and has no manual override. Their staff just wring their hands as if the brokenness were done by some mysterious spirit they are powerless to intervene about and have no means to escalate to senior management who have a tin ear. This drives people nuts and limits my willingness to trust them with money. They think they can second guess, countermand and treat customers like infants. The mindset is BAD. This is a common failing of the "digital revolution" /AI many companies waste vast sums on, believing slick IT salesmen selling them garbage promises only to harm their business and customers who find themselves thwarted instead of leaving stuff alone that works, or at least used to work. I've been with them 20 years and would say it has gone downhill as they add more and more layers of krud to their IT. Opening a company account is completely impossible, takes hours and is vastly frustrating, then gives a message "try again another time" (and so losing all the work and time investment) which seems to be the industry "standard" (bad). In that sense, they are no worse than the other bad companies the finance sector that seems crippled by their increasingly Byzantine IT and process for its own sake over function. Besides that, better than the others and pretty good provided you don't touch anything that might break the delicate and brittle IT they use.