Sure they are cheap and do have good facilities but this ranking is for account management. Read the fine print on those contracts people!!! Changes to you account will cost and closing your account has to be in person OR via certified letter (at cost). A phone call will not due. So as I have moved I have no other choice than to send a certified letter to close out my account...that is ballsy and is how they keep you in automatic payments for longer than needed. I've closed out many accounts in my lifetime...none have required a certified letter...shame on you for making this more difficult than it needs to be.