I have been paying off an Emerge Card balance for several years now. It was closed by them several years ago. I continually have had problems this past year accessing and using their website to pay my monthly payment. Just today the website says my information entered does not match their information. When I called the toll free number from my paper statement, they said the website was down and said to try again tomorrow.
I'm pretty sure there are people paid to write negative and positive stuff about this bank. I'm here to give you my own personal experience. Its a bank. They get my money and I spend it. There are no hidden fees. By law, they must tell you about all the fees they charge. Only a fool doesn't look up what these fees are. Everything is pretty much electronic these days. They don't steal your money because they can't. Its impossible to just take your money and it not be YOUR fault. So yeah, this is a solid 4 star online bank.