I am so sick of this bank. One thing personnel in the local bank attitude sucks. Not help at the window. The *** hours 10-4 WTF is that? Also, the *** service online, constant having to redo my password and constant saying they are overloaded. I regret ever opening an account with this bank.it has been nothing but a real headache for the last 4 years. User's recommendation: Find a better bank with better customer service....Better internet service...