Worst bank EVER, DO NOT USE!! Worst customer service I have ever encountered. If you use your card at the gas pump there will be a pre-authorization charge before you pay for your gas, which is fine and to be expected. However they will randomly let that pre-authorization charge go through and refuse to refund it to you. I got gas 2 wks ago, Dave took $103 even though I only got $10 in gas. The $103 charge usually falls off but Dave has repeatedly let this go thru and refuse to refund MY MONEY!