When it comes to home mortgages, customer service is the worst. Setting up automatic payments took more than 30 days for them to process. The information needed to set up automatic payment had to be mailed in and couldn't be taken over the phone. They hit me with a late fee which they refused to remove from my account, because they did not process my automatic payment information in a reasonable amount of time. They said they sent me a letter indicating when automatic payments started, which I never received. Later I got a letter that my account was past due. That's when I learned that an account past due would stop all future automatic payments. It is the stupidest thing I've ever heard. It also took more than 2 weeks for them to process my information to set up online services. But that was pointless, because the online services accomplish nothing. You do not get any information except for you loan balance, and you cannot make payments, etc. Stay far far away from this bank.