I had several big problems with this bank and have closed out my accounts. First when I opened the checking/savings it took a really long time for them to finally send my statement. Like months...then the statement came with only the savings account on it, I do not use the checking very often, but it was very strange. They also gave me misleading information about 3 year rising rate cd packages. The landlord for the building I work in also dropped them as their bank because they kept saying there was no fee for checking and then they would charge them for it.