I have had for three years, last month card was not working. I called in and they say they closed my account due to a returned payment. I have used the same checking account every time. This does not matter, I had to call them, no email?? The want me to send a letter from my bank explaining the checking account belongs to me. Today they say I had returned payment in October 2015, if I do not see and email or a letter, how am I suppose to know. Well they said it is on statement, every other bank would notify you immediately. Also not one person out of four spoke clear English. I offered to pay account off on phone, no I have to mail it to Las Vegas and have it arrive 7-10 days before next statement goes out!!