I wanted a local safe deposit box so I had to open an account. To avoid fees I set up an ACH. Turns out they charge something like $4.00 per debit card use unless you use debit card for at least 5 purchases per billing cycle! That and the cost of the checks and the hassle of the ACH and the prepayment for the safe deposit box--a good $100 scam. Oh, and the teller knew nothing and her colleague was very supercilious and unpleasant. AVOID THESE PEOPLE.