Vist Bank close my account without my permission. I told them this is my secondary account and I wouldn't use it very often but I did transactions and cash checks all the time. I've never been overdrawn or caused any NSF fees. Every time I'm on the phone with them it takes over an hour and their system is screwed up I don't get direct deposit anymore so I wanted to close my account and they want to charge me a lot of money to do that. I didn't think it's fair because they closed my account without my permission. I had a free account that turned into an account I had to pay for. I strongly recommend you close your account and go to a credit union where they have brains good customer service, common sense and they are not jerks. Also they have better incentives and loans. The reason that bank is in business is because they take all your money. My son is going to cancel his account there as well, so they lost to customers. I'm going to blast them everywhere I can to save other people from dealing with holding on the phone for an hour, getting hung up on, and if you don't read print the size of a bed bug then you have no idea what you're getting yourself into. So warning you now. They don't get one star from me