I've kept this account for a few years hoping that their services would improve so that I could use it as my primary checking with bill pay. The third party bill pay causes more trouble than it's worth, there are very few brick and mortars, and their products are not competitive enough for what they (really don't) provide. While writing this, I realized it's time to close the account and call it a day. I'll be doing that this week. Experiment over.