This bank promises high interest rates on checking, but has many hidden fees and charges, and often moves monthly closing dates to strip customers of their interest earned on its "Kasasa free checking accounts. They also lowered rates from 5.01 to 4.25 % without notice. Closing the account cost me $3.00 for a cashers check fee to close $20.95 remaining balance.... I asked for cash they insisted on a check then charged me for it.. You have to watch everything they do!!! Beware!!! they will strip your interest earned unreasonably!! Online banking has hold periods on check to be sent (they charge it to your account many days before they issue payment)