First, their customer service is TOP NOTCH! I received a call from Visa Fraud Prevention about sketchy purchases made on my Visa Debit card. I hadn't even noticed anything was wrong yet--they were so on top of it! THEN one charge was for a Groupon. Nicole called me, then waited on hold with me while Groupon figured it all out to get me a refund. Nicole was fantastic. I have been a customer for 21 years, and I will likely be a customer for life!