Bank if America is the worst bank as far as terms of service if you are considering what bank would be a good decision to open an account with I strongly advise you go anywhere but here. Every little transaction is like pulling teeth they do not care what your issue is they only want to quiet u and hush you away. I've been to the actual bank twice now to update my contact info and it is still incorrect in their system thus I am currently locked out of my mobile banking. If I cud I'd pullmy funds