I hope they run Red Hat on the back end.<p>For those who never installed Red Hat in the late '90s and so probably have no idea what I'm talking about, see this [1].<p>[1] <a href="https://imgur.com/gallery/yX5uw" rel="nofollow">https://imgur.com/gallery/yX5uw</a>
They say they're an FDIC member.<p>The FDIC says [1] Redneck bank is another name for All America Bank, which has been insured since December 22, 1969.<p>There are at least two populations that would like this, IMO: a hipster crowd who are not in any way like rednecks, and the country crowd who look like rednecks to outsiders and call themselves rednecks, but who insist, if you ask them about it, that they're being tongue-in-cheek about it. In my experience, the latter group is having more fun.<p>[1] <a href="https://research2.fdic.gov/bankfind/detail.html?bank=20093&name=http%3A%2F%2Fwww.redneck.bank&searchByTradename=true&city=&state=&zip=&address=&searchWithin=&activeFlag=&tabId=2" rel="nofollow">https://research2.fdic.gov/bankfind/detail.html?bank=20093&n...</a>
I'm not really a "redneck" and even though I moved to "town" when I was still knee-high to a grasshopper (and later to "the city" to get myself some learnin's and an edu-ma-cation), I am absolutely a four-wheel truck drivin', Harley-Davidson (1690cc cruiser) ridin', ole country boy (and yes, back in high school my pick-'em-up truck had a shotgun rack in it).<p>While I'm not sure that I, personally, would choose to do my bankin' down at the "Redneck Bank", you can bet yer ass I've got a bunch of friends and family members who would walk in and sign up right now if they built a local branch in my hometown!
From someone who actually banks with them (as All America Bank), here are the attractions:<p>- decent interest rate on savings, used to be 2.5% not that long ago, but now is 1.75%. I don't blame them, I blame the Fed.<p>- Push/Pull ACH with moderate restrictions and no fees.<p>- No incoming wire fees.<p>- No foreign transaction charges (but 75 cent fee for OS ATM useage).<p>- No fees for the first 10 BillPay transactions, which is full featured. This is fine because you can pay credit cards and the like with ACH.<p>- Generally low or no fees (but there is an overdraw fee).<p>- Functional, reasonably snappy online banking without being needlessly complicated.<p>- You can link someone else's account to yours so it appears like one of your accounts, with instant transfers.<p>- Reasonable security without being too annoying.<p>- If you ring them someone in the office will pick up the phone after a few rings, no call center, no stupid pointless IVRs. Sure sometimes they sound really hung over from the night before, but generally they're very nice.<p>- Online secure messages are responded to promptly and you can do most things on it, none of this "please ring..." nonsense.<p>- You can fully avoid the "Redneck Bank" marketing identity if you so choose. There is no mention on statements or online banking.<p>I've been with them for a few years and I have no plans to go elsewhere.
Nice interest rate. Their parent bank <a href="https://allamerica.bank/" rel="nofollow">https://allamerica.bank/</a> has branches in Oklahoma and does agricultural financing as well as normal bank stuff. it's a clever way to diversify and get a wider online presence beyond Oklahoma. The fly is a great touch.
Has anyone gone down the rabbit hole of looking into this bank?<p><a href="https://www.linkedin.com/in/redneck-bank-352214aa/" rel="nofollow">https://www.linkedin.com/in/redneck-bank-352214aa/</a><p>Edits (in chronological order):<p>- This is the bank responsible: <a href="https://www.bankonitusa.com/" rel="nofollow">https://www.bankonitusa.com/</a>
I like the animated fly.<p>Then again, if a bank with a website like this did something silly like, uhh, transfer all my money to Nigeria, could I really complain about it with a straight face?
While I recognize that this is (probably) a real bank, very high on my list of things that I definitely do not want from a banking website is "make me feel like you're not serious".
Love the edginess and design, but taking the user off-site (to the oflows.net domain, whatever that is) for sensitive application forms doesn't build a lot of trust imo.
It's nice when companies don't take themselves too seriously.<p>This case, it reminds me of a convenience store chain in West Virginia in the 90's that came out with a line of flat potato chips under the brand "Carl's Roadkill Cafe." It was successful enough to spawn companion products like Dust Cutter So-dee-pop.
See also, the excellent Lings Cars <a href="https://www.lingscars.com" rel="nofollow">https://www.lingscars.com</a> if you are intrigued by this kind of web design.