If I could give this bank negative I would. I never had a problem with this bank I only had them for a few months and had a steady amount going in then one day my check didn't go in when I called they said my account was closed. I called customer service and they didn't do anything even when I had no one else on my account. Quit using them all together but when my taxes got filed this year they went to that account that is closed and I asked if they have received them and declined them 3 different time and no one on the phone could speak English and they didn't want to help.