I just closed my account at the Tempe branch. The online banking platform is terrible, there are no ATMs. When I asked why, the bank manager replied by asking me 'who uses an ATM anymore'. I accidently over drafted the account by 30 bucks. They charged me 70 dollars in fees and though they send me an email for everything, they never sent a single email indicating the account was overdrawn. I don't keep balances there because I just don't get very much service, support or technology relative to USAA which, btw, is an AMAZING bank. That is an organization that understands how to treat their customers which is why they get 99.9% of my business. The only reason I opened the account in the first place was because they have a location in my office building. I can't see why anyone would ever bank with an institution that offers so little in technology and non-empowered employees.