I've been with lake trust consistently over the last 3-5 years and it absolutely sucks. I originally opened a youth membership account where they ask you questions such as "would you like to be able to overdraft" obviously the answer was no and I was explained that because of that if a purchase would exceed what I had In the account, it would not go through. Instead they'll allow any and all charges to go through without a problem just to charge me multiple $32 fees back to back. And when you try to explain the problem to someone in customer support, they're response is basically "we don't care" probably gonna stop using this bank soon as it's very disappointing they can't fulfill their end of the deal. read more