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Established Contributor
Posts: 539
Registered: ‎10-22-2012
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Re: Has anyone heard about GoBank™?

I was bummed about ally banks rates and found 

 

https://www.incrediblebank.com/

 

Looks legit.  In their FAQ page says the credit pull they use is a soft hit.  I ASSUME that it wouldn't be a hard inquiry.  I'll call tomorrow to double check. 

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Super Contributor
Posts: 5,680
Registered: ‎05-23-2009
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Re: Has anyone heard about GoBank™?

[ Edited ]

zyzzus wrote:

I was bummed about ally banks rates and found 

 

https://www.incrediblebank.com/

 

Looks legit.  In their FAQ page says the credit pull they use is a soft hit.  I ASSUME that it wouldn't be a hard inquiry.  I'll call tomorrow to double check. 


Yes, it is legit.  I had it for a year. They didn't have ACH feature. You need to find some way to ACH to the account. Their customer service was just average. I had problem to activate the debit card. They pulled soft from EXP to open checking account. By the way, you have to sign up online statement to avoid service charge.  I think Ally or Capital One 360 (ING Direct) are better.

 

 

Ron.

Established Contributor
Posts: 539
Registered: ‎10-22-2012
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Re: Has anyone heard about GoBank™?


Ron1 wrote:

zyzzus wrote:

I was bummed about ally banks rates and found 

 

https://www.incrediblebank.com/

 

Looks legit.  In their FAQ page says the credit pull they use is a soft hit.  I ASSUME that it wouldn't be a hard inquiry.  I'll call tomorrow to double check. 


Yes, it is legit.  I had it for a year. They didn't have ACH feature. You need to find some way to ACH to the account. Their customer service was just average. I had problem to activate the debit card. They pulled soft from EXP to open checking account. By the way, you have to sign up online statement to avoid service charge.  I think Ally or Capital One 360 (ING Direct) are better.

 

 

Ron.


Thanks Ron.  I find it a bit limiting that there is no ACH offered through them.  I can push/pull with either chase/ally/usaa.  I have another reward checking account I just want a spot to put bill pay money.  I really appreciate you confirming no hard pull as well.  

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

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