This bank is horrible. With direct deposit my job sends my money to the bank on Wednesday. ORNL won't release my funds till Friday morning. ORNL act like your money is theres and they act like they tell u what and how to spend your money in your account. A lot of people live pay check to pay check and that's why American choose direct deposit to get paid early. I wouldn't recommend this bank to no one and the sevices is horrible. The best bank is TVA employees Credit Union they release your money 2 days before payday and there service are great.