I have had this credit union for 4 years and the only thing that has kept me with them is, I don't know believing that every bank would be just as bad. But they are closed more often then they are open. Their customer service line is useless, they hang up on you more often than they fix issues. And their fees are ridiculously high. Bank of America is better, BB&T is better, I just got a Navy Federal and they are amazing! Do yourself a favor, get a different bank.