I feel as if I have been treated like trash from the begining. First I used cash to open the account and was told I was not going to receve a card untill my first pay check came to the account. (I was annoyed). I also had to apply for online banking even though most accounts come with this and I thought it was weird I applyed. After being apporved found out the website sucks and the app is like their site only with even less information.(wishing I chose another bank at this point) I was also told that I would have to apply for overdraft protection, something that I like having on my accounts just in case anything comes up. It was supposed to take 30 days for this. So I apply. Wait my 30 days. I get an approval email and think great. I didnt really trust this bank at this point. Mostly considering every concern I had about anything was met with annoyance and a sour attitude, so I decided to test out the overdraft protection. Long story short it doesnt go threw. Not only does it not go threw they charge me for not letting it go threw. When I called about it they told me that there overdraft protection charges if they pay it or not. Just for having something try to go threw there is a charge. I told her that I found that ridiculous and would be closing my account her reaction was "great". Ok cool. Im so thankful that I did not decide to use this bank when I was a single mom. This is not a bank that you can count on.