This place just get worst. They are the worst of all the evil banks in business today. The people are still nasty there, treat u like a criminal when you challenge something on your card. Their web site is horrible and again just nasty people who work there. I continue there because of how long I have been with them but I just consider it in the meantime until I find a better place for my money. Maybe under my bed. Desert Financial you folks really are not nice very rude and nasty.