Erroneous fees charged to my account, hidden by misspelled address on mailed statement that didn't match account info. It took numerous tries to connect with human by phone (eventually got rep in Manila who immediately put me back on hold until someone in the US picked up) only to discover problem is known issue with their online banking App. Oops. After performing work around to get into account, I discover a dozen monthly service fees slowly eating up my balance (now illegal in Illinois.) After numerous tries to get back in touch with them by phone, and 20 minutes on hold, I get transferred to service rep in Manila again who has no access to account and again puts me back on hold. After 20 more minutes I reached someone in USA who also has no access to see account statements so says she has no proof of what I am reporting - THOUGH I AM LOOKING RIGHT AT THE STATEMENT ONLINE WHILE WE ARE TALKING!! Simpler and less costly to my time if I just write off the fees and close account. One less business that hates customers that I have to deal with. Plus I already have an account with a wonderful credit union and an account at Blackhawk Bank in Rockford if I need a personal banker. (Gave them one star above lowest for having cheapest foreign currency rate - which was only reason I opened account.) read more