Worst Bank EVER. As soon as they switched over to a "real bank" someone from the Philippines (a FOOD market mind you. I live in the USA) stole $2,000 dollars from my account & if you don't mail them paperwork within 10 days of finding the "mistake" (I called while it was STILL pending & told them it was FRAUDULENT but they still refused to do anything) they will keep your money. How they have a 4.7 review I'll never know because their only saving grace was the 1 beautiful soul who helped me.