We went through Berkshire Bank as my wife is a teacher and they are somehow affiliated with the MTA. Really, really, really wish I had done some research and picked a different bank. Like another reviewer said, they ask for the same documents over and over, they seem very disorganized. The person we were dealing with quit or got another job and then all of a sudden we had to work with someone else. They made everything much more difficult than it had to be. I will not refer them to anyone that I know and definitely would not use them ever again.