This is the worst bank I've ever had. They force you to have it when stationed in Germany. It's the worst bank I've had for fees. They charge you for EVERYTHING even using their own atm that's connected to the bank. The only other option we had was BOA so we went with them thinking it would be ok because they are a "credit union". Nope they nickel and done you to death. They have the WORST conversion rate. If you can avoid them please do so at all cost. We have great credit and they still manage to screw you over any way they can. They should be shut down. Can't wait to be able to go back home and close our accounts.