Yes zero stars, While I have had pretty good experiences wiht the people who work for the bank, Andi t is amazing how many overdrafts I have been able to get back when I cal them on their practices the deliberately withold deposites tot set you up fpr overdrafts if you write a check Wednesday evening and then deposite cash Thurshday morning they will charge an overdraft. And if you need an laon to help in a financial pinch forget about it if you have less that stellar credit. Thay love to take your money but they don't want to lend it out. I love the $10.00 charge to electronically move money from savings to checking to prevent an overdraft. The best was a $10.00 to move $1.34 and if you want to get money out at the bank and do not have a check, they charge you $5.00 I feel like the kid from Mary Poppins. I will be leaving National City soon!! Also talk to people who work for then most liked it a lot better when it was a locally owned and operated bank