I had left the country for proximately 10 months. In my absence my account was not being used. My wife, asked them if they could just waive the fees or if she could just close the account out. They told her because I was not there they cannot close the account out. This is ridiculous and I know the backing laws, because this is a joint account. So she made the account positive with a couple extra dollars and they charged her service fees; brought it into a negative balance; charged it off; closed it out; and then reported me (us) to an early warning financial services company to prevent me from opening accounts elsewhere. It took two hours during this pandemic to get it rectified between driving to a branch where I could not walk into; and dealing with people on the telephone for half hour periods at a time. I made a payment over the phone to bring the account current. They gave me a confirmation number. They told me to call back and verify. I told him I want to open account and I called back to verify with his confirmation number they kept making excuses put me on hold until the phone got disconnected again. How corrupt and unethical for a financial institution. They are just as corrupt as the Commonwealth of Pennsylvania and Bucks County. User's recommendation: Stay away! They force unethical sales and only care about their bottom line, not their customers.