Myself personally i would never use them again. Im currently going back to my old bank due to the problems with this banking. While going through a divorce i got behind on my payments 2 months thats it. Total amount 46.00 dollars, and they was nice enough to close my credit card, pull my cd, and said sorry bout the excess money that was in the account and i owe them 46.00 for their hard work on taking my money. I wouldnt have minded so bad if i got a phone call and email or even a letter before they gave me the high hard one. Gotta love a vet loving company like this. Wow is all i can say. Pay heed to what you do with them protect yourself, i was told once signing with them they dont have to contact you and they can do what they want.