Dan has been with them since he was 15 (he's almost 30). He has nothing but problems. Very impersonal and horrible customer service. Dan has an amazing credit score and has several bank accounts with an ok sum of money in all of them. They were terrible to him when he applied for a small business loan (the thing that sticks out to me the most). They set him up with some 20 year old punk as his SBA adviser. He ended up using Cornerstone Bank for that. They were awesome. The only reason he doesn't move all of his money out of there is because the merchant services have same night deposits and we can find a bank anywhere in our travels. Otherwise he would have dumped them a long time ago.