Worst bank to work with. They will charge you for any thing, including card replacements. I've had cards last 3 months and the chip stops working and they charge you for that. They will take 2-4 business days to post my paycheck. I had deposited a check and payed rent my balance went below the minimum while the check posted and still got charged. Call them for any issue and will be on hold for over 40 min! Insane how unhelpful they are!