They don't charge you if you never add money to your account. I always get early direct deposit and they said bc of Holliday (New Years) I won't get it til maybe Monday! That's almost a whole extra week and not even the accurate date bc they don't know. My coworkers got theirs but of course not this bank. The representatives talk over you and when they hear any back round noise they say" your call is being recorded" like damn my son is asking me a question! Then the representative said I answered your questions anything else? Like no you didn't answer my questions. Also I ordered a new debit card about a few weeks ago and I didn't cancel it just wanted a new one and they cancel my account til I receive my new one. They did it twice this month where I basically have no way to use my money. Christmas draining my account and relying on my pay day and now they don't know when I will get paid. Thanks for absolutely nothing and being inconsiderate