I used over 10 banks over my life and faced both many benefits and zero benefits. With this bank, I can say that they are worthy if you just want to open a regular checking account. Once if you are an entrepreneur and look for a business account, there might be some tiresome procedures with taxes among others. What I love about the bank is that they are always ready to help you with any of your stupid(sorry) questions. I mean stupid because the answers could be found on the first page of Google. So, I believe it is very hard for staff to not laugh. Their mobile app is also very convenient, as I may access all reports for my expenses and charges. You may look for other banks but this one is a decent deal for regular operations.