It's no better than "big bank America". I still can't get a handle on the arbitrary fees and WHY. (NONE are NSF fees...I know how to manage my money). The random (and I swear "made up" fees are inconsistent, follow no logical rhyme or reason & all of a sudden there is a "checking fee" that is virtually impossible to "eliminate" no matter how they promote it. The hoops put into place to do so are ridiculous... direct deposit THIS & transfer THAT & don't move money HERE more than X times in a calendar month & make sure you transfer THERE at least X times in a calendar month... like anyone has THAT much time! I work a full-time job already, manaigng my account to this extent when all I SHOULD have to do is deposit funds & use funds is assinine. I am looking to refinance my car so I can close all of my accounts with them. Do yourself a favor and go somewhere else! And I agree with the reviews on it being absolutely UNfriendly customer service. The online banking is a JOKE. And in 2015, why can't I deposit money at an ATM? Because no one has time to sit in a drive-thru line for 15 minutes while the reps laugh & chat it up inside. As for GOING inside, there's never more than 1 teller and they often dissapear in back for 5 minute BETWEEN EVERY CUSTOMER... it's just too much!