I've had an account w/ them for 2 years now & they're the worse to deal w/. I've went over a couple times by $1.00-$5.00 & they ended up charging me almost $60.00 for it... Quite a fee for such a small amount. Most banks I've dealt w/ give a grievance up to $10.00 but not them. They're nothing short of a scam hiding under the term "financial institution". I quit putting my pay check & other funds in there. I had it switched to my other bank. thank goodness. They were robbing my single family income of money.I got tired of the fees, sometimes even when the funds were in there, it was some bogus fee on my statement. I used the atm a couple times from my other bank & credit cards & they charge a whopping $5.50 to get money out of it. The screen says there will be a fee of $2.50 for using it but later on my statements it showed another $3.00 listed as citizens bank.. That's a sign of bad business & the business not doing well so they make up their money by ripping people off. Also the settlers ridge branch hours were open until 7pm which worked fine for me being as though I got off later than traditional bank hours, but there were 3 times I went there at 6:20-6:30pm & the window was closed. After driving there & rushing, what a pain in the butt. I called to find out if they changed their hours but they insisted that I was wrong & that couldn't be possible. Like normal people can't tell time.. what a joke. A few weeks after complaining, they had a whole new staff in there so instead of just saying there was a problem, they pretty much accused me of lying... Bad business.. I'm done w/ them. I've closed my account. & there are lots of reviews the same as mine, so do a google search before opening an account, you will see it. read more