save your money! it has cost me $ 94 in the past 3 months due to confusion with their«unique» account number system. i am 66 years old and have had numerous checking accounts, but nothing like this one… thank god! after the last $ 32 charge for a bank being«unable to locate» the account on my check, i went into the bank. i was told«the account numbering system is a matter of interpretation»…what? unless you like to pay extra charges and receive no customer service, don’t go there. i’m at PNC now and $ 300 happier from the get go.