If you value your hard earned money dont use this for banking. I attempted to use this company for banking alternative but the customer service and mishandling of my checks of which only 26 out of 28 were ever accepted. They told me the checks were over 6 months old but clearly the dates showed within the 90 day deposit period. They stated the some checks were duplicates just because they have thesame amount even though different checks clearly with different check numbers. Proof available