Absolutely deceptive! They make u think its all great, but then either lock u out of ur acct, purposely delay sending UR own money to u, lie and tell diff stories from every customer agent u speak with an do everything they can to hold on to ur money. Absolutely the worst bank/savings/credit builder ever!!! Be very cautious with them and always keep screenshots an pictures for verification on ur end. an completely inconsiderate customer service agents no matter how important it is!!