What are some of the potential problems that online banking customers may face?

Online-only banks are popular alternatives to traditional banks, offering services such as no overdraft fees and prepayment options. But if something goes wrong with your account, you can’t just go to a branch to fix it. As Consumer Reports discovered, finding someone to help you can be harder than you think.

If you need to troubleshoot an issue with your online-only account, you may need to get creative. Try to find the company’s primary number online and ask to be transferred to the CEO’s office. Be clear about your situation and remember to be kind no matter how frustrated or angry you are.

Another option is to head to social media. Send the company a direct message on Twitter instead of a public tweet.

Give the company a chance to fix the problem before they make a public scene. He can appreciate this and give you a faster and more useful response.

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Chime, the largest online-only bank, told CR it plans to offer full 24/7 customer service.

If you are still having problems, you can file a complaint with the Consumer Financial Protection Bureau.

If you think you’ve gotten bad service, be sure to report it to the Better Business Bureau.

And before choosing a service, it’s always a good idea to take a look at BBB’s website to see what consumers are saying about the company.

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