I have to say in this day of banking this is the worse bank to deal with. Their branch offices have no push with the main branch. And their manager's at the main branch are the most ignorant and greatest robbers of all time. Don't expect any help or nothing from them you are in it on your own. So it is better to deal with a bank or credit union that will work with you instead of trying to hurt you. I will never deal with them ever again, and my family is leaving also. Credit Union here we come.