This has got to be the worst bank in the history of the earth. Beyond that one of the worst run businesses ever. They lose deposits, their cards don't work most of the time, you can't get to money that you have in your account by any means. A local restaurant told me that there are days when no callaway bank card will work, as if their entire bank is out of money. It happens all of the time. Their can't answer questions about all the things wrong with the system, and then they get abusive. What happens to the money deposited there. If you care about your money and need it each day then RUN FROM THIS BANK!