They don't protect your money money was debited out my account with my card frozen for months and months I've been calling and complaining about them giving me my bonus points for signing up people I've signed over 40 people and they stop paying me once I got the 20 this bank is the worst bank I've ever in my life even dealt with I don't even know how they're still in business is this complete trash service all of the agents are programmed to say the same thing it's just chaos what a crock of s*