They charge fees left and right just like big banks. I have had nothing but trouble sonce the beginning. I was charged $10 for a replacement ATM card and 2 weeks later I got my chip card. They knew the chip card would void the card they had just charged me for. Also, they charged a $30 Overdraft fee for $1.75. Not even Chase does that. They also never do any courtesies of any kind. Switched to Golden 1 that is much more customer focused and have been happy since.