1 star is me being kind. Horrible experience constantly. 90% of the time I'm unable to send transfers between accounts/etransfers/loading card and yet it shows no issue on their end. Also NEVER change your address! They freeze your account so you have NO access to your money. They also have you submit a bunch of documents and you still have to wait 1-3 days to even find out if they're accepted. If they're not accepted they continue to keep your account frozen!
Once I have access to my money again I will 100% be leaving this horrible bank. Definitely DO NOT RECOMMEND
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