Transactions have started to take 7 to 8 business days to clear. I've never had a bank transaction take more than three business days. That means if a mini emergency comes up and you need the money they took a week ago, there's nothing you can do. The price is gone from $66 a year to $96 a year over 3 years. Then today they asked for more money. What exactly have you done for me, Albert? Turns out, nothing. Also, automatic negative 3 stars for making me text you in order to cancel. Goodbye.