I wish I could give them a 0. I am a retired banker (PNC Bank) so I am probably a bit more understamding...but...I have had problem after problem...even stuck with them during olb fiasco (which was ridiculous and caused many bill payment Issues for MONTHS) 4 days ago I was charged 6 overdraft fees BECAUSE the associate did NOT set up Overdraft protection as we discussed and I requested ...I called for reimbursement as it was their error (customer service confirmed they did not set up the Overdraft protection as requested) and I was told "it's my responsibility to check my accounts" (my mom has been very ill and I'm having to travel to SC alot, hence the reason for Overdraft protection because I can't monitor daily and I don't have to continually monitor it! I will add I have a significant daily balance in the account it was supposed to be linked to/transfered from. I cant stress enough they do not do their jobs and will mot take responsibility for errors on their side. We pay for their lost revenue.....