This bank is horrible and their customer service reps are rude. They advertised a 2.30% interest rate for a savings account but give you a lower rate (2.22%) once you sign up. The website is no very user friendly and they do not send you emails about recent transactions. The worse part about this bank is when you do a transfer from an external bank account it will take almost two weeks for your money to be available. It take 2-3 business days for the money to show up in your account and then another 8 business days for it to be available. If the money is not available it will not be counted in your interest. Who want their money to be tied up for that long. I have never experienced a transfer taking that long to clear. This bank sucks and I will definitely be closing my account soon.