The people in the branches are always very nice, but the bank itself and its policies really suck. It took me 3 years of phone calls every 6 months to get them to finally remove a negative mark that they illegally added to my credit report. (Illegal because I'm in the military, and there are specific laws regarding what they can and can't do during my deployments. So legitimately illegal.)\n\nAlso, apparently they charged me the wrong interest rate on my credit card for over 10 years. A couple months ago I did get a refund from them after they audited their system and that was a nice surprise, but one is left to wonder what may have been different if I hadn't blown all that money on the wrong interest rate to begin with. \n\n(One also wonders what would be different if I hadn't been retarded as a young person and racked up a giant credit card bill, but that's a whole other story...)