This bank is the worst bank I've ever used and my husband and I have used a lot of banks we own a business. I used this bank for 3 months before trading the vehicle in because I was scared my credit would be ruined due to how hard it was to make a payment. All 3 months I had to call in after paying to redo my payment and than I traded the vehicle in and was still marked delinquent for a late payment after telling them 2 times I no longer had the vehicle! Worst bank ever.