I used this bank for 2 months and hated it. They think that I'm doing them a favor by using their bank! Long check clearance times, last bank honored checks immediately. Took a week to get ATM card -- last bank immediate. Slow to process transactions -- appear days later. Account records are poorly written -- can't tell where, when or what was purchased -- just says "debit card transaction.. Charge for services free at other banks. Making money begins with the customers -- at every opportunity. Only good thing is no lines -- of course. Would not recommend this bank even to a millionaire.