Aweful, Aweful, Aweful. Not only are they not 2016 ready, they seem to be oblivious that modern technology is available at other banks. You CANNOT deposit cash in an ATM. ATM's are slow and cannot always read checks. You cannot deposit with phone. Twice in 2 months I was asked to wait a day or so to solve a no-access-to-my-funds situation. Either go with technology or personal service. But you can't provide neither, Iberia.