This bank should get no stars. I had someone write me a bad check, first time I ever had an OD in simple. They blocked my account, CS on the phone hangs up on you with no information and no explanation. They don't respond to the support messages. I wasn't given any chance to correct the OD and was turn to collections. Absolutely worst bank, totally a scam. Don't fall for the 'no fees'bright an shinny. The treat you like trash. Should have a 'No Star' option.