The business model for this bank is fees, fees and more fees. So many that they don't quite understand them all. Earlier this year we started getting charged a monthly fee. Called. They had to research it, but told us it was a fee for an optional service (that we didn't use) that they should have been charging for the whole time we had the account. Instead of asking if we wanted it, they just started charging. They reversed it once they figured it out and we told them we didn't agree to or want that service. Then a few months later we were going to pay off our mortgage a couple months early. They said there was a county fee to do so, so my wife agreed. Turns out it was an early closing fee. So just note that their business model does use fees for EVERYTHING, and they aren't the most transparent on them. read more