Igobanking.com, A Division Of Flushing Bank:
Online Certificate of Deposit - 2.95% APY

I've been in and out of igo. I usually carry a large balance when they are rate competitive (half the time) and move by money somewhere else when they aren't (the other half). The $3,000 transfer limit is a huge problem. It has always been waived within a day on inbound and outbound transfers, if you write them. But, they make clear in their response that it is a 1-time thing and that you need to act immediately. Fast forward to now - they raised their rate from 0.55% to 1.30% finally. The 1.30% rate is almost 50% above what I am getting at Amex or Sallie, but the time consumed in writing and the very thought of needing to ask a bank to let me access my money in a savings account again, is making me happy to just sit still, or to move to another bank like Citizens which is also competitive but doesn't through up unnecessary obstacles.

This is the worst online banking I have seen. Without any warning they restricted access to withdrawals to $1000. Representative said they implemented on ALL accounts for ALL customers due to “fraud”. At same time my external account info and beneficiary information was deleted (without any warning either). Having 245K on the account, would take me over a year to transfer money out, so the only option was offered to close the account, and receive a check by mail for a fee! No interest for last month was added to the final check. The phone rep did not offer any resolution to the fact the interest was missing, only that she would “message the management”. This bank will steal your interest and block your access to your money, it’s impossible to resolve any problems on customer service level, no way to reach to management directly, avoid this bank by all means.

Service doesn't work and I cannot believe I chased a 1% CD. Avoid.

We opened an account 6 months ago at 1.65%. My husband and I I put a lot of money there (FDIC limits). When we saw the new rate, I called and was on hold for 20 minutes. I cannot believe that I was put in a position where I was forced to beg (yes, beg) your representative to give me the rate that you are offering new customers. Yes, $3,000 over the course of a year in interest is a lot of money to me and yes I do need you to make the change. No, this is not acceptable customer service and we will be looking to move our account on Monday.

I found the people very pleasant on the phone, but the website was so bad I eventually gave up and moved our money back to Ally.