Who is this bank made for? you cant pay bills online and over the phone it cost $10???? I haven't had to deposit money into a ATM since I was 19 years old what is this 1990? Come into the present times. I had Wellsfargo cut me a check for the full amount of the loan and they gave me crap over the phone because i paid off their crappy bank and closed the account. i guess they cater to criminals and people with bad credit who cant get regular loans?