USABancshares.com

Pros: Good interest on checking, no fees, free & reliable online bill paying
Cons: Poor customer service response time

My goal? A bank that will give me free checking, pay a reasonable rate of interest on my balance, and offer bill paying at no cost. My answer? USABancShares.com, home of "zero time banking".

I have been using this bank for...

Pros: Checking/savings rates, convenience, all the options a traditional bank offers, secure site, FDIC insured, ATM reimbursal
Cons: Have to mail checks that are not set up on direct deposit

Many people are still hesitant about moving their banking needs to the internet and that is understandable. I have been using USABancShares.com for a few months now and can hopefully relieve some of your fears.

SECURITY OR PEACE OF...

Pros: Mastercard debit-card, first $5 ATM fees reimbursed, pay your bills online, and earn interest.
Cons: $5.00 fee for balances under $300.00

I first opened my account with USABancshares.com in order to take advantage of the online bill payments and the Mastercard debit card they were offering. Since there were no fees associated with my account, I figured that I couldn't possibly lose...

Pros: A return to the days when banks paid you to hold your money.
Cons: Deposit Via Mail a problem if you can't Direct Deposit and living paycheck to paycheck.

Update 3/17/2001: USABancshares.com has made some adjustments to the energyone checking account. The minimum for no fee on the account has raised from $1 to $300 (average daily balance, so you can have less than $300 one day, but your average must be...

Pros: Fast, lots of extra, and $100 free!
Cons: nothing!

You should really choose these people to do your banking with. They’re the best bank I’ve ever used! I opened a checking account with them through Gomez.com, and I did the get $100.00 if you keep your money with them for 90 days. I get about 5% interest,...

Pros: 4-5% interest on checking; savings and CD's available; good customer service
Cons: slow deposits; even slower getting you your mail

There is something to be said for fear in the face of no visibility. No way to see your money, where it is going, if it gets to its destination safely. These were but a few of the major concerns that I faced before deciding to put my money into an...

Pros: Amazing Interest Rates
Cons: Facelifts can be botched online, too.

This is the third cyberbank I've reviewed for you pretty people. The others are X.com and Wingspan. You can check out my other reviews by clicking my pic on the left.

Enough self-promotion.

USAbancshares.com is a division of VBank,...

Pros: Free checking, $1 minimum deposit, 24/7 live customer service
Cons: A little slow getting my ATM card and initial checks to me.

I visited USABancShares.com toward the beginning of January. I like their easy-to-navigate site. I liked the idea of 5% APY (and FREE) checking! Plus, they only require a minimum deposit of $1.00. And they refund up to five ATM surcharges a...

Pros: low minimum balance, ATM fee rebate
Cons: poor customer service, lousy website

Some 15 months ago, I opened a checking account with USABancshares (".com"), hoping to get away from the upward spiral of minimum balances and service fees from my megalithic "bricks and mortar" bank. In exchange for the uncertainty of dealing with a...

Pros: Great features on their basic checking account
Cons: horrible customer service, do not meet promotional obligations

UPDATE: 11/2000
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In addition to all of the problems outlined in my original review, I have this additional experience to report as well. When I received my final account statement, I saw that a debit had gone...

Pros: great interest rate, received account bonus, does not charge ATM fee, refunds 5 ATM charges/month, free two-part checks
Cons: must mail deposits, statement and web site needs improved, messed up my check order, took three weeks to receive welcome package

I have dealt with better banks than USABancShares, but they are probably not the worst bank either.

I opened an account with USABancShares [in February 2000] after seeing an ad in Tiger Direct's web site. This ad promised a $100 account...

Pros: Interest Rate, ATM Transactions
Cons: Deposits, Customer Service is lacking

I have tried many of the online banks mostly because they gave great promotions to sign up. This one was excellent. Put $100 in - get $100 in 3 months. For a poor student as myself, I could not think of a another guaranteed way to double my money. My...

Pros: they are online
Cons: Customer Service is horrible, interface is tough to navigate and doesnt provide nearly enough information.

I suddenly found myself in need of a new bank in January when my bricks and mortar bank was bought out and my no fee checking account switched over to an account with a $15 a month fee. I found usabancshares through a special deal so I signed up.
...

Pros: Free Online Bill Payment, No Fees, MasterCard ATM Card
Cons: Website could use a redesign

I have been using 2 online banks, x.com & USABancShares.com. In terms of website design, I have to admit x.com is better, BUT in terms of features USABancShares takes the cake.

I signed up for USABancShares in May after I saw Gomez.com...

Pros: High interest on checking; no fees; deposits through ATM; easy to navigate site
Cons: Some may not care for the limited level of available banking services.

My first reaction was, "I don't need another bank account!" This would have been true--I have accounts at my brixnmortar credit union and at two other online banks. Beyond that, once I crossed the hurdle of banking in cyberspace I've become...