HORRIBLE I do not recommend anyone to use this bank they will freeze your account and their member services fraud prevention team is always offline they have been holding my funds for OVER A MONTH now and still to this day. My deposits have never bounced and they keep insisting on keeping my account frozen and holding my funds. I have kids to feed and rent to pay. And these horrible people won't unfreeze my account. I DO NOT RECOMMEND THIS BANK IT HAS HORRIBLE SERVICE 100%