TOTAL FAIL - Do NOT use this bank - They no longer value customers. This was a great bank several years ago, but acquired by Centenninal Bank recently and now unacceptable. The acquisition caused me days of problems as data was not migrated from Happy Bank to Centennial - all of my prior bank records were deleted and you can imagine what a problem that caused from a personal perspective, let alone my business. I complained many times, and even submitted an invoice for the large time/cost of the mistake, but was of course denied. I therefore started shutting down 12 accounts, and as of today migrated two of the last three accounts to CAPITAL ONE, who has treated me very well. I will close out the next account within 3 weeks and never return - they lost $ Millions in business transactions I was planning on using them for. read more