A Review of National City Bank

National City Bank is one of the United States' largest banks. It has offices in Ohio, Illinois, Indiana, Kentucky, Michigan, Missouri, Pennsylvania, Florida and Wisconsin. National City has been around for many years, founded in 1845.

When I moved to a state where there were National City branches, I decided I would give them a try as my bank. I haven't been let down since. The customer service is great, the accounts are wonderful, and earning Points in their rewards program is the icing on the cake.

I signed up for a Free Checking account three years ago. Since then, I have transitioned into one of the Free Checking Plus accounts, where if you have direct deposit, an ACH that comes out of your account, or you use online bill pay, you get a package of great banking goodies. I get free checks, free ATM cash withdrawals at Non-National City ATMs, free online banking/bill pay, free Visa check card, and much more! I don't have enough good things to say about this type of account.

I also have received a free Personal Savings account with no minimum balance and no monthly maintenance fees. All I have to do is maintain my normal checking account with them and everything is good. It's convenient, and I can link that savings account for overdraft protection if I do not qualify for their Cash Reserve Line of Credit.

The National City Points program has been wonderful for me. I have received many rewards just for opening my account, opening another account, applying for a loan, and just every day use of my Visa check card. I earn two points for dollar when I use my check card as a credit card and then earn extra bonus points each month for any other transactions I do. I have redeemed my points for many great gift cards, and even once I redeemed my points for $40 cash. It is great because I don't pay for the points program, and I am eligible just for having my checking account with National City.