Take your time and ask the most basic questions before switching to US bank. It started out horrible. Opened checking acct online because we switched our business acct there also. Did this so my checks would clear quick. First time in this branch they tried putting a 5 day hold on my check even though the check was from this us bank branch. I almost closed my acct that min, but they told me no hold on check and after 30 days ALL checks would clear next day with $250 avail that day. 3 months later I’m using acct everyday. Tellers keep telling me save time by depositing my checks on the app or by ATM. The IS bank app only allows me to deposit up to $1000 a day. Omg 95% of my checks are over $1000. So I use ATM deposit a $6500 check from a large insurance company from a flood at my apartment that is printed with my name on it. They put a 10 day hold without telling me. I can’t get check back because they said they processed it. They said they can put holds on any check they want. ITS A LARGE INSURANCE CO!!!!! Do you really think it’s going to bounce??? So now I just lost a house I was going to move in because he picked someone else that could pay him now for deposit etc. So they money I was given to move and buy new damaged property is being held by a bank that says they can put holds on any check they want. Isn’t that what you want to hear from your bank controlling your money. BTW I also learned fast US bank debit card on the checking acct for the first year has a $2500 spending limit. So if you want to take that family trip. Buy 2 plane tics today, 2 tomorrow, pay hotel after that etc. This has been exhausting! I’ve never heard of so many restrictions being put on MY MONEY ~Jamie