If I could I would give a minus 5! This company is a joke! If you make a deal with a branch manager, make sure to have it in WRITING! Because, when the time comes to close that deal, on what you agreed on, if that manager is away for personal reason, if it is NOT in writing YOUR word won't matter. 4 days before closing on the sale of our house, Alterna called me about the mortgage payoff, which there should be. The next day someone else called me. I asked to speak to the manager to discuss the issue. Well, finally the manager called me on the Monday, yes the day before closing. Totally helpless, arrogant, couldn't care less about what I was promised! He wanted to me fill out a form to send to the complaint department! Seriously! The day before closing. So, he said he would speak to people and see what he could do but a lady by the name of Lyndsay would be in touch! Again, totally useless. The Bank has made so many mistakes since 1999. After we close tomorrow and I have my money and paid off the new purchase, they will never see the color of our money ever again. We've had so many issues that we have been dealing with Managers ONLY and now even that....doesn't count! I will make sure that you lose more money than what you are charging me. read more