robberstea
Fine until you want your money back
My wife and I opened CDs. They had one of the highest interest rates at the time. Everything was fine. We even let the CDs renew for more time. No problem until the CDs matured and we wanted our money. You can't close the account online. You have to call. I'd initially funded the account via an ACH transfer from a local bank. Since the banks had been linked, I thought it would be easy to have my money sent back via ACH. It was not. Credit Human will only allow you to do ACH transfes of $15,000 per month. I've never encountered such a limitation. They claimed it was for security but it clearly wasn't. The banks had already been linked after verifying ownership via micro transactions. They had no problem getting over $15,000 via ACH but couldn't send out that way? They were very pushy about sending via wire transfer (and the associated fee). The only free way to get my money out was by having a check mailed. This is by far the least secure option invalidating their security claim. Summary: Opening account - fine. Time with bank - fine. Closing account - fees, pressure and silly justifications.