Thinking about switching over to a virtual bank? Here's what you should know
All online-banking has taken off in recent years. More and more people are signing up with online banking accounts having never stepped foot inside a bank.
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But the main drawback to online banking is that there's no branch to visit if something goes wrong.
"Reaching an actual human at the company to help you may not be easy,” according to Octavio Blanco, a multimedia content creator with Consumer Reports.
Instead of visiting a bank, Blanco suggests reaching out to one of the online banking services online.
"Try to find the company’s main number online, and ask to speak to the office of the CEO. Explain your situation clearly and remember to be nice no matter how frustrated or angry you get,” Blanco said.
If that doesn't work, Blanco suggests reaching out to the company on social media. Instead of posting something publicly about the company, he says users should try and sort out any problems through private messaging.
“Give the company a chance to fix the problem before you make a scene publicly," Blanco said. "They may appreciate that and it may give you a quicker and more helpful response.”
The biggest virtual bank, CHIME, plans to offer 25/7 customer service for any issues or complaints.
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