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December 2023 by Tim Erickson
I have been using Luminate Bank for about two years now for all of my banking. After a big bank allowed a thief to take over $12K from our accounts for over 30 days and never getting any interest we knew it was time to move. Luminate has been fantastic, any questions I’ve had are quickly answered and they are extremely friendly whenever I’ve went in. Their rates are phenomenal and would recommend to anyone. It isn’t the most fun to move banks but well worth it.
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December 2023 by Gretchen Holmgren
Top in the industry technology along with a superior client experience. Rarely do you find a community bank with the level of service you find in private banking and technology as good and often better than a large financial institution.
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December 2023 by Michael Creed
I have had the pleasure of banking with Luminate Bank for well over a year now, and I must say, my experience has been nothing short of exceptional. The warm embrace of a true community bank is palpable, creating an atmosphere where genuine care for my family and me is evident in every interaction.What sets Luminate apart is its unique ability to seamlessly blend that small-town charm with the efficiency and sophistication of a large-scale financial institution. The dedication of the staff goes beyond mere professionalism; it reflects a sincere commitment to understanding and meeting the unique needs of their clients.One aspect that has truly exceeded my expectations is Luminate's technological acumen. The online platform and mobile app are a testament to innovation, offering a user experience that is not only cutting-edge but also remarkably user-friendly. Navigating through transactions and managing my accounts has never been more intuitive, making banking with Luminate an absolute delight.But beyond the digital realm, it's the people who make Luminate shine. Their passion for delivering exceptional service is evident in every interaction. Whether it's a routine inquiry or a more complex financial matter, the staff at Luminate consistently go above and beyond to ensure that I feel valued and supported.Switching banks is often seen as a daunting task, but with Luminate, the transition is not only smooth but also incredibly rewarding. The decision to entrust my financial well-being to Luminate has proven to be one of the best choices I've made. If you're seeking a bank that seamlessly combines personalized care with cutting-edge technology, look no further than Luminate – it's an investment in exceptional banking that pays off in every way imaginable.
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December 2023 by Ryan Grant
I have banked at many of the large banks over the years, but nothing has come close to the experience that I have had with Luminate Bank. Not only do they provide me and my family with extremely generous interest rates on my checking and savings accounts, but the service they provide makes me feel like I have my own personal banker whenever I need them.If you're like me, you probably just felt like your bank was a place that you kept your money and everything was on your shoulders to manage and grow your money. At Luminate, I feel like it's a genuine partnership and that they are committed to helping my family and I grow our wealth, which is an incredible feeling.
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December 2023 by Angela Sherer
I recently opened a checking and savings account with Luminate Bank and was very impressed with their product offerings, savings rates, and client experience. I spent many years at a big bank earning little to no interest and never felt valued. Gretchen and Marrianna are not only extremely knowledgeable, but they genuinely care about their customers. I am so happy that I switched to Luminate Bank!
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December 2023 by Gavin May
Wonderful! - I (Finally) left a big bank a year ago and the process to switch accounts couldn't have been easier! The amount of money we're earning each month/year in interest on our accounts is significant too. The customer service is excellent and the digital platform is very user friendly. I haven't needed a branch since the change. Wish we would have made the change sooner and started earning more!
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December 2023 by Danny Horanyi
I have both my business and personal accounts with Luminate Bank, and I've never had a better experience in banking. They treated me like A PERSON, not a number. Communication has been excellent. The higher rates or return I am now getting on my accounts don't hurt either.
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December 2023 by Bob Wilkerson
Working with Luminate bank has been amazing! The interest rate on savings and checking has helped me with my sons Cub Scout pack earn a lot of interest in a short period of time. Who you work with really makes a difference.
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December 2023 by Nathan Raich
My 16 year old daughter was looking to open her very first checking account. The staff was so helpful! Marrianna went out of her way to walk us through the process!My daughter also opened a savings account, 5.0% APY!!Amazing service! Thank you Luminate Bank!Proud Dad Moment!
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December 2023 by Matthew Sargent
I use Luminate Bank for my personal and association banking. I love the mobile app and online banking! Great deposit rates too.
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April 2022 by Brooks Borrell
The loan team did a great job refinancing my investment property loan and I was able to get some cash out and lower my payments significantly. Great team to work with, I highly recommend them!
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April 2021 by Samantha Schmalz
Mike Edelstein is by far one of the greatest Lenders in the business! He and his team go above and beyond for their clients and are a pleasure to work with. from start to finish they are there for you! You can't go wrong here!
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January 2021 by Duane Birchem
Great bank with exceptionally responsive and helpful support from Jeff and Jason. Would strongly recommend American Equity Bank to any small to medium sized business based on our experience and their expertise and ability to help support your organization.
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May 2020 by Stephanie Hartje
Conrad and his team did a great job guiding me through the process to get my first home loan. He and his team communicated clearly and regularly. They made it easy for me to provide information to them and track my progress as the loan moved toward approval (particularly impressive in the midst of quarantine). Everything went smoothly and was ready ahead of schedule. Conrad also connected me with a realtor and a home insurance provider that I was extremely happy with. I will definitely be working with him again in the future when the need arises!
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March 2020 by Anna Her
I applied on 2/24/20, provided all documents needed (w2, bank accounts, pay stubs, etc). I was contacted by two assistants (Melissa and Gina) which made it very confusing. On 2/26/20, I was told it would be 48 hours until I would I get a pre-approval. Radio silence until 3/4/20 stating that they learned I started my new position and now needed employment verification. In that time no one contacted me about anything even though I provided all documents as they requested. During this timeframe from 2/24/20 to 3/4/20, I decided I wanted to work with a lender who wanted to work with me. Easily, they’re losing people like this. I wouldn’t recommend at all. Poor communication and lack of interest to potential clients. Wasted time considering I did my research and found good reviews on American Equity Bank. Hard pass and I would never recommend.
