When they say no fee at the ATM there full of $#*!. Yes they offer no fees but if you have simply checking that doesn't apply it's only for 360 account customers.so if you have simply checking you're nothing but chop meat. And my closest branch is 35 miles 1 way because they shut down every branch in my immediate area. If you make the futile attempt to speak to anyone at a branch office good luck with that. Because they never pick up. Find yourself a bank that actually appreciates having you as a customer