Absolute worst bank. I use 3 other banks currently. Lost over a $100. I had money put in the account. Never touched it in over a year. My account was charges every month until there was no balance. They did not want me or contact me in either phone call or email. Until I logged in the account and realized I have negative acocount balance. When I called they said, sorry we can resolve this issue but we can close your account. Thanks that really helps. ~WoolfMedia1016