never open anymore, used to have the best hours of any bank around. online bank is only open until 7:30, down for maintenance a lot and laggy transactions make keeping track of your accounts difficult because everything gets clustered together. also overdraft protection used to decline my card if funds weren't available but now lets them go through as i incur a 32$ fee with no one to help me with the situation because no representatives are avalible after the banks close (4:00). Tellers are also not the friendliest people I've ever met. The pros are no maintenance fees, the app is also pretty convenient when on the go. overall not the greatest bank and i will be switching as i feel like i should have more control when placing my hard earned money into a bank.