I have been banking with this bank since June 2010. It was easy to open account so I decided to give it a try while in Walmart. I was told that after 4 months I would be able to deposit checks via the app( job wasn't offering direct deposit at the time). Well 4 days before I reached my 4 month mark my account had been breached causing my to close that account and open another one. At this point your membership starts over! Here I am 6 months later and I've had issue after issue after issue. Just recently I called I. And let them know I would be making a payment for my tuition but I wanted the electronic check to clear on Friday when my direct deposit went through. I was assured this was ok. On Thursday my account became overdrawn because they did not honor my request after all. I was charged 2 NSF charges in 10 hours. I plan on switching back to Wells Fargo. I have a list of issues that often occur with them. IF you don't have money to waste or time to sit on the phone with customer service please DO NOT BANK HERE.