This bank is very inconvenient. There online banking is awkward, it took me two trips to the branch and two phone calls to set it up. Now I have been trying to access their bill pay online and the site has been unavailable for three day. Their security is too tight, making it inconvenient to log in, have to come up with new password every two month and need three of them to log in once. Their are way to happy to cancel your card when THEY suspect any unauthorized activity. My other account is with Chase and there is no comparison when it comes to online banking and customer service.