Someone give Debra a raise. I loathe talking to the automated voice message system when I have one question. As the title has stated, someone please give Debra a raise. She was friendly and straightforward.

I have had to contact them 3 times, and it's only been about 3 months! I'll give them 3 stars for taking care of fees and interest that were applied to my account. They claimed my payment was late, even though the tracking for the payment said it reached them several days early. Why would it take them 11 days to process a payment check? I've never had to call a credit card company this often. I also do not appreciate having to wait on hold for over 30 minutes to talk with someone who can help. If my next review for them has any less stars, they'll know as I'll be canceling the credit card. Shape up Comenity!

After reading mixed reviews I did notice that many of the negative ones are from people using their credit card service and most of those were not real recent so took a chance on their savings account. After maybe opening accounts at 100 banks/CUs over the past years and learning to hate the process I have to say their signup was the quickest and easiest I ever did. Then I realized I didn't see info about a beneficiary, tried calling them but their lines were busy and I didn't want to wait so sent a message from my account. Sooner than I expected I got a reply and received the form for a beneficiary, filled it out and returned it. All went smoothly. Hope it stays that way. The ACH deposit I made showed up there in my account in 2 days! Was tempted to give 5 stars but I rarely do that. May up it later if that's possible after I see how things go. UPDATE: I've made several transfers in and out of the bank with no delays or issues, however I am having a problem getting anyone there to let me know about my beneficiary status. I uploaded a form as asked and then got a reply that it wasn't completed. Didn't see anything incomplete and got no response to questions about it, but uploaded it again... still can't get a response and calling is almost impossible for me as I have piss-poor cell signal here. But they did finally respond apologizing for delays caused by their recent rate increases and unprecedented activity, which I can accept. NOTE: RE $5000 outbound transfer limit they told me this.... "The current transfer limit is the default amount that is set for all accounts upon opening. After the account has been open for 90 days, a request for an online banking transfer limit increase can be submitted for up to $100K. An ACH transfer may be initiated on your behalf by one of our associates in any amount up to the available balance in your account. You will submit your request by calling us at 833-755-4354 or sending us a message here with the amount you would like to transfer along with the verified account you would like to have the funds transferred to."