I have to agree with Stephanie.  The service is terribly slow. Especially the drive thru.  After waiting in line for ever, I decided to just park and go inside.  Slow there too but got out faster than staying in the drive thru.  My wife and I went in on a Saturday to finance a car.  Went thru the app process, was told they would contact me on the following Monday.  Nothing.  Went online after a couple of weeks to request a call or some sort of contact.  I got an email back saying to come drive down to the nearest branch for service. Finally called again and after fighting with the phone prompt and staying on hold for 10 min, got a  hold of lady in the phone center. (note: not a branch rep). She had to look up my app and tell me the results. Forget it.  Went to Bank of America.  Got an instant answer and great percent rate.  May be pulling out Desert Schools if this kind of service keeps up.