iGo banking is a division of Flushing Bank, and provides many options for checking and saving account needs. Backed by nearly 80-year-old Flushing Bank, iGo Bank has options for checking and savings, CDS and money markets. During the fourth quarter of 2014, Bankrate.com acknowledged iGo banking with a Top Tier award for 100 highest yields. That singular complaint was closed within the last 12 months. 

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The Good

  • Features and services
  • Time in Business

Features and Services

iGo banking has a solid mobile banking account that keeps up with similar online accounts. There is enough information provided that it appears to be just as solid as its' competition. Many of the standard mobile banking features are offered by iGo, such as mobile deposit, balance inquiries and free bill pay.

With iGo banking, users can open basic checking, savings, and CD accounts. Each account comes with its own unique features and services as well as varying interest rates. All iGo banking accounts allow for money to grow and are broken down as follows:

High Yield Checking Accounts:

  • Enhanced money management with its Bill Pay and Presentment tool enabling users to import bills directly into the account and pay them online
  • Purchasing power with MasterCard
  • Accessibility to over 43,000 surcharge Free ATMs nationwide through the Allpoint network

High Interest Checking Accounts:

  • Free Bill Pay and Presentment with no limit on the amount of bills users can pay and businesses and individuals throughout the United States are eligible to receive payments
  • View billing details such as total balance due, minimum payment due, and payment due date, among other information
  • Funds transfer service offers "Pay People" services

High Interest Savings Accounts:

  • No fees and no minimums to maintain
  • FDIC insurance for peace of mind
  • No monthly maintenance charges
  • A competitive interest rate of 1.00% APY
  • Quick and easy access
  • No waiting in line at the bank

Time in Business

Flushing bank manages a large amount of assets and they have been in business for almost 100 years. The size of a company and the amount of time that they have been in business is not always the best indicator of quality but it is something to take into consideration.

The Bad

  • Rates on CDs
  • Issues with website

Rates on CDs

Opening a CD was easily located, but after searching for a bit, a specific rate was never found. The rate for a CD can be up to 1.30%APY. Another down side to iGO Banking's CDs is a higher minimum balance. There minimum is set at $1000. This is twice as much as other online banks. Other common complaints include:

  • No home loans/mortgages offered
  • No rewards credit cards
  • No auto loans available

Issues with Website

iGo's website seemed hard to navigate. After opening tab after tab, I finally found the information I was searching for, but only after nearing losing interest. With so many other options, it makes me wonder how many potential customers give up and move on due to the oddly laid out website.

The Bottom Line

While this online account has the backing of a brick and mortar location, a bank that is a more established, more well- known establishment might be the way to go. Although it offers some of the same features as some of the top banks offer, in this case, it is all just a name game. One of the larger, more well-known bank institutions would likely rank higher than iGo. There is something to be said in regards to peace of mind. Invest your money wisely, preferably with a nationally-known bank. Those that use iGo banking can expect the following from their service:

  1. Quality mobile banking
  2. Manage multiple accounts
  3. Low CD account rates
  4. Poor user interface

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Florida Smith

July 30th, 2016 Granbury, TX

A Beneficiary is not allowed on their Checking and Money Market Accounts. This means that there is no Pay on Death on these accounts. These accounts could very well wind up in Probate upon the demise of the owner.

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