Three years ago we had a charming interaction with this bank in Salem Or. As new immigrants from Canada the loans officer Corinna was so helpful and knowledgeable we filed a five star review of her help securing our need for 150000 Heloc to extend our property by purchasing an adjoining lot. We paid it off this month…yes, in three years! This week we returned to complete the closure of the loan account and pay the $134 fee. As required. We were informed we couldn't do this until July 20. So that's what we did! But upon doing so we were informed we had to pay an additional $ 75 for the new year service fee…that, listen carefully…. began yesterday July 19 about two weeks after we paid out the loan fully and asked to close it and were told we had to wait till Jul 20….. hhhmmm…basically this is as close to fraud gets for me