Their service and practices are terrible. They have actually let my wife cash a check when funds were not available and did not inform her. I went into the bank to discuss getting the NSF fee reverse since we had another checking account at IBC that she could have drafted funds from, if she had been told. Their response was it is the customer responsiblity to know how much money is in their account. I asked well what about customer service. Got the same response word for word.