I tried to open a checking account with them, but I was told my credit score was less than 600, so they decided to open a savings account for me. One week later, I went back to close my account. There, they told me they would charge me $10.00 to close my account as a penalty for closing my savings account with them. I questioned the lady, and she told me this is their policy and that is how they make money from people. I told her I would post a review online and tell the story; her response was, 'I don't care what you want to do.'