Positively THE WORST bank I have ever dealt with. The representatives are rude, obnoxious and make you seem like they're doing you a favor even talking to you, even the supervisor treated me like trash (you don't do that to customers!) I only have one very old collection account on my credit report, and despite all of the positive open accounts they only seem focused on one collection account that is over 5 years old. Do yourself a favor and go with a bank that "cares" for you, like Capital One or Commenity Bank. Even GE Capital is better than these people. Do yourself a favor and don't waste your time with these clowns!