I have Mint. I won't push since you've said No Mint, but will say that for $200 *a year* including all fees, they're adequate for my needs, which aren't much. I don't have "horror stories" but I'll admit, sometimes you get what you pay for (or not).

We also have Minternet, $30 a month out the door for home internet service which has been equally reliable and fast as our AT&T fiber optic, but half the price. Customer service is abysmal, though. I asked for live chat. The Bot said, "No Problemo." Literally, no problemo. Then it asked "do you want live chat?" I typed yes. It responded, "Sorry, I didn't understand." Problemo!