This bank charges outlandish hidden fees and makes you keep at least $300 in your account at all times. If you dip below that even by a cent, you're going to pay dearly for it. They lost approx $250 of my money and they never could account for it. No apology, no attempt to correct it. They also try to tell you that they mail forms to you to opt out of some of these fees, but they never show up. Don't do business with them and if you do, get your money out ASAP!