This Bank is an absolute JOKE in every which way... their online so called security tells you every other time they are applying an extra layer of security and would have to send you a code to enter via text they tell you it may take up to a few minutes but YOU NEVER GET IT... you call the banker lol... and go thru hell answering the SAME QUESTIONS over and over before you can even state the nature of your business. I closed my account via phone and waiting for my balance to be mailed to me, well THEY send the check for my balance to the wrong address when I finally got in contact with them they admitted to sending it to wrong address and tell me I have to wait 90 days for new one to be issued,,,, you believe that crap 90 days... that is such a big LOL... I am so glad i closed my account with them... AVOID this place like a plague beleive me you dont want to do business with these people... locations are extremely limited... customer service is a joke and trying to get anything resolved is an act of congress...