I would give them zero stars if I could. Despite me asking repeatedly for no statements, they continued to send them, and apparently one was returned. Theu froze my account while the joint account holder was away, and told me that there was absolutely no way to access my money. Subsequently when he went into a branch to give them documentation they already had, they refused to see him whatsoever without me there. When he went to another teller, they said there was no problem and refused to take identification. The account has now been frozen for two weeks with no resolution in sight.