Stay away, but I have to say it's been 10 years . Everything after 6pm is automated messages. They ignore you and expect you to sit in front of the computer. I knowy accounts were hacked on Tuesday night, but I had to rely on bank chat . 3x and never received a response. I will withdraw my money and find a better bank. TOTALLY RIDICULOUS. MOST OF US GET OFF OF WORK AFTER 6PM. never will I recommend your bank. God help you if my money is gone. Saved all transactions so I will see you in court, if necessary.