They refused to give me my money when I came in for a withdrawal. They just said "we can't give you your money today. It might be a server issue or something. Sorry." Absolutely unacceptable. I'll be

Loan, Checking, Savings, Money Markets are all great and easy to set up. HELOCs are expensive (but they are expensive everywhere).

Use them occasionally for banking and it's easier than traveling all the way downtown, almost none of their "reps" are consistent or stay very long, can never get an answer to a question directly, and