Naperville Bank & Trust

After banking at Chase for the past 17 years, it’s fair to say I’ve dealt with a lot of bs in my time as their customer. The past several years my experience with them has been miserable. It’s been similar to dating someone you KNOW you shouldn’t be with, but neither of you have the balls to end things. So you deal with the misery and begin to grow resentful, and eventually you snap and call it quits. Yeah, it’s like that with Chase.
I decided to open a checking and savings account with NB&T after reading another Unilocaler’s review at a different branch. Braving the cold temps and wind, I made my way inside the lobby of the bank. I was immediately approached by Jahary. His smile was warm and inviting, and when I told him I wanted to open a checking and savings account, he lead me over to his desk and we began the new customer process.
I decided on their Total Access checking account. It’s $ 100 minimum deposit to open this account. You also get free access to ATMs nationwide AND… they rebate your ATM fees! With this account, there are no transaction limitations and you’re not charged a monthly debit card fee. The free online banking and online bill pay are nice as well.
For my savings account, I initially wanted to do the Statement Savings account, but (I’m terrible with saving) I didn’t have the $ 250 minimum. Jahary then advised I could do a «Thank You Savings» account. It stated there was $ 100 minimum to open, but Jahary let me deposit $ 3.00 (hey, I don’t get paid until next Friday. Gimme a break!). If your savings account daily balance is greater than a penny (Yes, greater than $.01, folks. Even I can manage that one), the interest rate paid on the entire balance will be 0.500% with an annual percentage yield of 0.50%. Does Chase do that?! You betcher arse they don’t! Interest is compounded quarterly. Oh, and there’s NO minimum balance required to void imposition of fees. With the amount of fees Chase charged me monthly for not meeting the minimum balance, I could have easily opened at least 5 of the Statement Savings accounts here!
Here’s another nice perk — they don’t charge you for money orders! But Chase will charge you $ 5 a pop for one. What a scam. I am so disgusted that I put up with a bad «big bank» for so long.
I am excited to be a customer of Naperville Bank & Trust, and I cannot wait to walk into Chase and close all of my accounts. Thank you Jahary for making the process quick, painless, and personable. I enjoyed chatting about family, backgrounds, and our favorite restaurants. You made me feel wanted as a customer and not just another «joe with a checking account.»