The one thing you can guarantee is you will not get a rise of temperature from them because they give zero f&@!?. Move your direct deposits now. Make sure your funds are insured. They will close your account simply by inquiring about matters on the account. No sense of loyalty for long standing customers. Overall very polite representatives, little to no comprehension and plays word games and phone and email games each time you call. Expect to wait until who knows when. My dispute began 11/15/21 and is yet to be resolved. One day mailed. One day still pending. One day you have to do it all over again. Who knows... maybe one day my $633 shows up. I have never!