I have been a bank client for over 5 years, as well as a client for other banks throughout the years. From my experience with really many-many banks, this party is a real reliable deal. Starting from their friendly customer service, ending with easy and user-friendly access to their mobile app, it is by far the best. The bank wants its clients to stay loyal with them, hence, they do not burden them with much fees, and calls to promote one or another service. Highly recommend this bank if you look for something affordable and rewarding. If you earn points by using their credit or debit cards, you may redeem them for many things including traveling and shopping. It is a good choice!