Overall, if you keep your regular checking and savings accounts in good standing and have a balance, you shouldn't have any issues at all. But if you want to get a loan or get any information from them, their customer service is so beyond awful that I'm considering going to a larger bank. The lack of communication is astounding. Also, they keep "updating" their online banking for the worse. I'm not sure who thinks that not having an obvious way to get to your running checking ledger is a good idea. Instead, you get to see balances in one box and withdrawals in the other. Such a waste of energy.