Worst bank I have ever dealt with. They screwed my mortgage up by a processing error when they converted to a new system. They lost payments that cleared my account. After 6 months of trying to get someone to respond to written requests, emails and unanswered phone calls they still have not fixed my account. As a result of their processing errors they have ruined my credit. They keep saying they will fix but this still is not done. I would recommend taking your money out or refinance your loans. Worst customer service and rude. I am dumping them and possibly seeking legal action. But I will be vocal and let everyone know where I can that this bank sucks run away from them quickly before they screw up your finances too.