You know what I like with this bank — they never bother you when not needed. I mean, my previous bank called me a hundred times to offer new promotions or loan discounts but I do know better when I want to subscribe for a new service. This bank literally deals only with necessary inquiries, and from time to time may follow up with you to learn whether you enjoy their services or not. If not, they will jump above their heads to meet all your expectations. Still, do not think that they will lower all their rates to make you happy (they are pretty high). My friends are crazy since they wanted to get a discount for everything. Choose this bank if you want silence for your mobile phone!