I have had my Account with Hibernia since 2000 and have never had any Problems. Hibernia Offers Free Gifts for opening a new Checking Account . If you referr someone to open their Checking Account you both get a free Gift. You can earn Interest on a Direct Deposit Account and have no minimum in there. My youngest has a Savings Acct with them as well but their Divident Rates are not very high though. Great Service all the time.