I have been with this bank for about 6 months now & either my husband's atm card or mine gets constantly declined although there's thousands in our bank account, it's ridiculous, we call & they tell me there's nothing wrong with our cards & we end up ordering new ones this has been going on since the beginning. I do not recommend this bank unless you want to go through the embarrassment that your card gets declined constantly... We do not own credit cards we pay out of pocket from our own money for everything & we can't even do that with our own debit cards! Ridiculous! This doesn't even deserve 1 star!