It has been the worst process. Every time I turn around it's something else. First they told me I couldn't have a bank account without a driver's license. What kind of nonsense is that? Then they neglected to send me cards for the 2 accounts. When I asked them about my cards, they apologized and then sent only one of the 2 cards, so I had to call again to remind them to do their job. They also signed me up for credit insurance without my opting in, and I have so far called 4 different numbers and spoken to 6 different people to opt out but just get the run around from them. I think it's just basic incompetence - I can't imagine they actually care whether I have this stupid insurance. Has just been a nightmare from start to finish.