Do not use. I've been a customer for 3 years and I'm finally done. After all the instances of being locked out of my money, shoddy customer service, and now them sending fraudulent checks in my name, I'm done. Go with someone else or you too could waste 3 hours of your life on the phone to be told the escalation team will contact you. And then never do. If you have chime, run, jump ship now before they rip you off too.