I will say that my husband and I just use this bank as our spending account for groceries, gas, extra stuff etc. We wanted a local credit union to use since our main bank (Navy Federal) has very limited locations. That being said, this bank has novice technology that I found out the hard way doesn't update balances for you immediately when you sign it to the app but takes a solid 10 seconds to show your true balance. So if you didn't know that, and you quickly check your account here and there like I did, I would have impression I had funds in there and go abouts my business. Despite signing up for account balance alerts (email, in app and text) multiple times I have never once received an alert that my balance was low. For weeks I wasn't able to log in and view my balance because they updated their app which unbeknownst to their customers made you download a completely new app instead of just needing an update to your existing one. This new app would not accept my same log in info so I locked myself out, and they made me go into a location to fix it instead of being able to call their 1800 number. I think all these things contributed to a whole mess of overdraft fees we've accrued recently which I think is pretty shady business practice. Going to cancel this account and open one elsewhere where they have their sh*t together. read more