American Insurance companies are the best insurance companies in the world. All American insurance companies are regulated by the National Association of Insurance Commissioners (NAIC). Every American is covered by health insurance, however, in Indian the scenario is different. In India half of the population do not have a health insurance although insurance is introduced in India in 1818.
Here are few major differences between American and Indian Health insurance policy
In the United States it is mandatory for every individual to be covered with a health insurance, in India it is not.
In the United States it is mandatory for every employer to cover their employee with a health insurance, again in India an employer is not obligated to get an insuran for its employees
In India health insurance only covers charges for hospitalization, however in the US it covers even small ailments like viral fever.
In the US employer is responsible for health insurance of its employee even after resignation till the time he/she gets a new job.
One positive point for India is the premium amount, in the US the premium rates are much more higher than in India.
As America is having Federal system of governance, each state has different sets of health insurance policies, In India it is centralized.
Here are few major differences between American and Indian Car/Auto insurance policy
In India it is mandatory to insure your car before you bring it on road. Its the same in the US except in Virginia and New Hampshire.
"Third-Party Liability Insurance Cover" covers everything in India except your car, in the USA it is called Auto liability coverage, it does the same plus it covers the lawsuit cost.
In the United State, car insurances are state dependent, in India it is not.
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Axos Bank Reviews consists of review of its savings account, checking account, CDs, credit cards, mortgages, customer services, branches, maintenance fees, rates APY, mobile application, features, ATMs and trust. These Axos Bank Reviews would definitely help you to know more about Axos bank and also if you are planning to create an account with them. Our team have made it easy to understand the reviews. After reading the reviews here, it will be easy for you to decide whether Axos bank is or isn't suitable for you. We have spent so much time for doing research on axos bank. We would be glad if like it.
TD Bank Review - Editor's Rating
Please rate and review Axos bank
Axos Bank savings account
1111111111Rating 4.17 (3 Votes)
Axos Bank checking account
1111111111Rating 4.50 (2 Votes)
Axos Bank trust worthy
1111111111Rating 5.00 (1 Vote)
Axos Bank Savings Account Review
This savings account is one of the best in the market with no maintenance fee and no minimum balance. APY is very high at 1.3%. Free ATM and no ATM transaction fee. Axos is an online bank, however, it offers all banking services. Users review is on the positive side.
Axos Bank Checking Account Review
Axos bank offers five checking accounts essential, rewards, first, cashback and golden checking accounts.
First Checking - A fee and and maintenance free checking account with 0.25% APY. This is one of the best option for students. One can open this checking account by depositing only $50. There is no overdraft or non sufficient funds fees.
Cashback Checking Account - This is a special kind of account where the account holder get 1% cashback on purchases. Like other accounts of Axos bank there is no maintenance fees, no overdraft fee, non sufficient fuunds, also there is unlimited ATM reimbursements.
Essential Checking Account - No opening fee, no minimum balance, reimbursement ATM transaction fee on other ATM networks, no overdraft fees.
Rewards Checking Account - 1.30 APY, 0.4% interest on direct deposits, 0.4% interest on the transaction amount by debit card if number of transaction is more than ten. Account opening minimum is 50 dollars with no minimum balance needs be maintained.
Golden Checking Account - This Axos bank checking account is for senior citizens. There is no maintenance or any other fees. This account can by depositing $50. It also pays 0.20% APY.
The annual percentage yield (APY) for CDs of Axos bank ranges from 0.55% to 2.25% and the duration fron 3 months to 60 months. The minimum amount you need to deposit is $1000.
Axos Bank Credit Cards Review
Unfortunately as of 2020 Axos bank does not offer credit cards.
Axos Bank Mortgage Review
It offers four type of mortgage home purchase, refinance (no cash out), refinance (cash out), home equity. Minimum credit score required is 620, minimum down payment is 3% of the total amount. The fee can be reduced or waived if you have checking account with them.
Axos Bank Customer Service Review
As it is an online bank there are no branches, however you can get support through phone line and chat. They also have separate phone number for each department.
Axos Bank Branch Review
There are no branches of Axos bank.
Axos Bank Charges and Fee Review
Axos bank does not charge maintenance or overdraft fees. It also reimburse ATM transaction fees.
Axos Bank Interest Rates Review
Axos Bank is one of the best online bank in terms of interest rate. For saving account it provides upto 1.30% APY, for CDs upto 2.5 and decent mortgage interest rates.
Axos Bank Mobile Application Review
They call their mobile application "Banking Evolved" and you can do almost all banking activities in the app. It is a modern application with face id and fingerprint login. Apart from checking your balance, fund transfer, paying bills, contacting support you can also deposit check.
Axos Bank Features Review
There are many new features you can find on their mobile application which are modern and user friendly.
Axos Bank ATM Review
There is reimbursement of domestic ATM transactions for every Axos bank accounts, however, there is a limitation for few accounts. You can take out cash from any ATM, it doesn't need to be a Axos bank ATM.
Axos Bank Trust Review
You really don't have to worry as Axos bank is FDIC insured. Even in worst circumstances if the bank fails each of the accounts are insured with $250,000. Also, Axos bank is a reputed bank which is no less than a tradition brick and mortar bank.
This TD Bank review 2020 consists of advantages and disadvantages of TD Bank's financial products as experienced by customers. TD (Toronto Dominion) Bank is a multinational bank headquartered in Ontario, Canada, founded in the year 1955 and is the world's 26th largest bank. The bank deals with various banking and financial products such as savings account, checking account, mortgage, etc.
TD Bank Review - Editor's Rating
1. TD Bank offers varieties of checking accounts with opening bonus of up to $300
1. No overdraft protection with checking accounts
2. Monthly fee can be waived by maintaining very low balance
2. Charges fee for non TD Bank ATM cash withdrawal
3. No minimum deposit to open an account
3. Low APY comparable to online savings accounts.
4. Few of the branches remains open on Sundays as well
4. Direct deposits and monthly fee waiver are not related.
5. No fee for international transactions
5. Less number of ATMs
TD Bank Overall Ratings
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1111111111Rating 3.71 (7 Votes)(Average rating for all financial products of TD Bank)
There are three different savings account offered by TD Bank - TD Simple Savings, TD Select Savings and TD Growth Money Market with $5, $15 and $11 monthly fee respectively. There are many other options as well in the market, TD Bank is not for those who are looking for high APY, no monthly fee, no overdraft fee and other offers. Overall their savings accounts are neither too good nor too bad. They are just average savings accounts.
TD Bank Savings Account Ratings
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1111111111Rating 4.00 (5 Votes) (Customer ratings for TD Bank Savings Account)
TD Bank Mortgage Reviews
TD Bank is on of the biggest player in the market for mortgages. The reviews of most of the customers are positive and they are happy with the services. Compare to other banks the interest rates are as per the industry standard, and other criteria for approval is also on lower end. They accept lower down payment compare to other banks. Their mortgage consists of 30 year, 15 year, right step 30 year, 5/1 ARM and 7/1 ARM with APR 4.10%, 3.45%, 4.10%, 4.01% and 3.98% respectively. TD Bank does not have branches in every corner in the United States, so, it might not be feasible for few customers.
TD Bank Mortgage Ratings
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1111111111Rating 2.75 (2 Votes) (Customer ratings for TD Bank Mortgage)
TD Bank Checking Account Reviews
They offer the best checking accounts with no minimum deposits, however, there is monthly fee which can be avoided if certain conditions are fulfilled. They have six different checking accounts suitable for every individual whether old or young TD Simple Checking, TD Premier Checking, TD Student Checking, TD Relationship Checking, TD Convenience Checking and TD Sixty Plus Checking. Each of these Checking accounts has different benefits and are for different age groups and different individuals. You can get $300 as bonus if you deposit $2,500 within the first two months of opening Premier Checking account. Overall their checking accounts are good and customers are happy provided you choose as per your requirement.
TD Bank Checking Account Ratings
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1111111111Rating 4.75 (2 Votes) (Customer ratings for TD Bank Checking Account)
TD Bank Personal Loan Reviews
TD Bank offers three different unsecured personal loans -
TD Personal Loan
TD Express Personal Loan
TD Personal Line of Credit
1. TD Personal Loan allows you credit of upto $50,000 with maximum five year period to repay the amount. You must be 18 years old, your area of residence must fall under one of their branches and your credit score must good enough to get an approval. Interest rates varies as per your profile and can be as low as 8% if your salary is very high, you work for an A-List company and you have a credit score of 900 plus.
2. TD Express Personal Loan can be taken for emergency situations, the bank provides loan upto $15,000 and is approved in short period of time, maximum three days. Eligibility criteria is same as TD Personal Loan.
3. TD Personal Line of Credit is similar to a credit card where in the total amount of loan is the maximum amount you can avail at any point of time, however, you can take any other amount less than the maximum amount as well. You need to pay interest only on the amount you have availed and not on the total amount reserved for you. There is no definite interest rate and it fluctuates every time. Credit Line is suitable for professional such as Lawyers, Doctors and Chartered Accountants.
TD Bank Personal Loan Ratings
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1111111111Rating 4.50 (1 Vote) (Customer ratings for TD Bank Personal Loan)
TD Bank Auto Loan Reviews
TD Auto loans are same as personal loan with same limits and same eligibility criteria except auto loans are secured loan. In case of default in the payment of installments for three months the bank has the right to auction the financed vehicle as per the terms of the contract. TD Bank has customer support which serves 24 hrs a day and seven days a week. In case of any queries regarding any product or services you may call them at 1-888-751-9000.
TD Bank Auto Loan Ratings
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1111111111Rating 4.00 (5 Votes) (Customer ratings for TD Bank Auto Loan)