Very rude customer service, both live chat & on phone. They couldn't answer my questions quickly or without saying "all banks do this". Didn't even get my name right. They charge service fees for random things without notice & once charged fee wrongly (they refunded it, but I had to argue with them). Been a member for 30 years, it's convenient to my house & job, but I'm thinking of switching. Read the ALL of the reviews, even those that aren't recommended. If you're looking for a bank, I recommend you look elsewhere.