I would never use this bank again! My employer had elected them to manage the companies 401K, and the fees they charged were so high they ate up what ever I was making on my investment. i finally decided to transfer my money out of this awful greedy greedy bank and they charged me a anther fee of 40.00 for closing my account with them. This is after years of fees for just having a 401k with them. They give the word greedy new meaning. Find yourself another bank, I would look at a credit union they are typically more reasonable.