Terrible customer service
When you don't need help or to talk to anyone this bank is fine. Their rates are ok and no fees. However, their customer service is terrible and their website is aweful. First, you must accept their cookies in order to log into your account. Second, you cannot use Zelle to receive money. You will get an error message saying to call their customer support line, wait on hold for 10+ minutes then they will just tell you to figure it out on your own.