Displaying results
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18
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Friday, 02-19-10 08:53
I got the same 7 day wait message when I applied. About 4 days later, I got an e-mail welcoming me to AMEX Personal Savings. This may be the standard process, as I have flawless credit....they must review each application individually.
Everything's gone perfectly with the account. Typical AMEX, really.
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Monday, 12-14-09 12:09
I opened the account in mid-November and transferred funds from another bank into the account to get it started. The yield is very competetive and the rep's with whom I've spoken are professional. I just requested another ACH transfer into the account given that my first bank is lowering its rate while AmEx is holding at 1.70%.
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Tuesday, 12-08-09 22:22
Sign-up was easy and quick. The electronic funds transfers are very fast - about 1 day only. So far, I like this account better than the other online accounts I have, mainly due to the fast transfers. Rate is also very good too.
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Friday, 11-20-09 12:43
quick ACH transfers. i'm a happy camper if rates continue to stay competitive
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Thursday, 11-19-09 18:22
Account opened on phone with rep. Up and running immediately.
6 day holding period if you use Amex's site to draw from other banks. BUT, if you use other banks to push money into your Amex Savings, your money is available at once. Fastest ACH possible. One day! That's good.
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Tuesday, 11-17-09 18:12
lightning fast transfers. very satisfied.
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Tuesday, 11-10-09 21:16
Online application was a breeze. Very user-friendly interface. American Express is a good company so I thought I'd give this a try. Hopefully the rates stay high.
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Tuesday, 10-27-09 11:40
The online application process was simple. However I received the same message as Swolfcg. I don't know why that happened as my credit is excellent.
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Monday, 10-26-09 11:16
Re: John Doe
I am a REAL customer and I think it is wrong of you to make assumptions on anyone's comments.
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Monday, 10-26-09 11:14
Setting up the account took 10 minutes and my account was ready to go withing 1 or 2 business days. The site is easy to use and I set up 3 external accounts quickly and easily. Transferring money to an external account is very fast. It takes 2 business days at most. I've had several transfers go through in 1 business day. HSBC was always abysmally slow in transfers so I was very pleased with Amex Personal Savings! HSBC took a solid WEEK to release the funds to my new Amex Personal Savings Acount which means I lost several days of interest. This is unacceptable and I will never go back to HSBC.
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Wednesday, 10-21-09 21:20
The comments here - both pro and con -- were likely written by employees of banks rather than real customers
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Saturday, 10-17-09 03:17
Easy to setup-
Good customer service-
Multiple ACH funding options
(links)-
Few restrictions-
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Monday, 10-05-09 12:25
My account opening process was very slow. I set up everything when I applied to have an ACH transfer done to fund the account. But that never happened. It took about 4 weeks after applying to get my first dollar into the account.
I've had a couple of opportunities to contact customer service, and it surprised me to see that they need to improve quite a bit. Everyone is nice, but they really do not have good systems in place to help you. My account access has been locked twice - no explanation as to why - and the site does not allow you to use the four security questions it makes you set up to re-enable your account. You have to call them to get in. I also contacted them via the webform on their site to ask for the routing transit number I would need for a direct deposit. The response I received said that they can't accept emails at this address and to contact them at their 800 number. I responded that I thought it was dumb to set up a contact form if they can't receive messages. Of course, the reply to that one was the same - call our 800 number. Ha!
Rates are good, but I'm not sure it's worth the hassle when Ally has great service and almost the samre rates.
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Friday, 09-18-09 11:50
Sign up was very easy. Only 1 day to test account transfer.
biggest thing...American Express is name you can trust and has been around a long time.
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Sunday, 09-06-09 16:57
The online application process seemed simple enough. However I received this message after submitting my application, "Thank you for submitting your application for a Personal Savings account.
We apologize for any inconvenience but, we cannot complete the processing of your online application at this time. We will review your application and will notify you within 7 business days of the status of your account.
Please contact us at 1-800-446-6307 if you have any questions."
I ended up calling that number and they couldn't tell me anything new, except that my application needs to be reviewed and verified for many different reasons. I also asked if my credit is checked, and she said it is only a soft check; meaning only to verify my identity. I guess I'll find out if I get approved after a week.
I have never had this happened to me, since my credit is excellent.
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Saturday, 08-22-09 12:21
sign up was easy-but I had to get a welcome kit in the mail to start setup. Customer service by phone excellent. Super easy quick external transfers- can have more than one bank. Website easy to navigate once all set up.
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Tuesday, 08-18-09 15:06
Would you please post more info on process of transfers, ability to login online, ACH, EFT, and the overall experience compared when opening an ING account or dollarsavingdirect account.
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Sunday, 08-16-09 10:49
I didn't know about this until I read it here. I adore American Express Credit Card Service. I will definitely transfer my emergency fund from ING to this new savings account. I know there is higher interest elsewhere, but I really don't feel comfortable with any of those other internet banks.
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