This bank is horrible, I've had multiple different accounts over the years and this one just takes the cake. Starting off, they offer to give you like $200 to open an account. One must ask how can they do that? Easily, their overdraft protection doesn't work, they'll allow you to go negative and charge you up to $200 for one overdraft fee! So say you're negative $5.50, now you're negative $205.50!!! How is this fair? It's not. Next, they'll keep Doug this, and if you don't realize you'll QUICKLY get up to - $500 to - $1000. For those of us in the military, that's about a paycheck. So your check hits your account and now you're back to the original - $200. AFTER YOU GET PAID. So they offer this thing called a fresh start loan. HORRIBLY high interest rate, all designed to suck more money from you. Basically they refund you all of the overdraft fees in the past 30 days, and charge you around 20%. what kind of banking institution does that?!? I've been banking with them for 2 years and finally my dumb ass is switching. Dot fall for their enticing offers and shady business practices. The NCO's at reception tell you to stay away from them for a reason.