Stay clear of this super shady company. They bait and switched me with the interest rate on the day of closing, upping it a full percentage point just as we were ready to sign the paperwork. They also screwed up the fees and actually undercharged me. When they realized it they called and insisted that I pay the difference (I did). However when my property tax increased and my auto-payment was $13 short one month, they penalized me $54 on that $13. Why? Their snotty response was "because that's what was in the paperwork you signed."
Don't do it if you rely on on line banking - They have recently changed their online banking system and regressed 10 years in doing so - small things such as obtaining a report of transactions between two dates can no longer be done - transactions can not be exported to Quicken or Quickbooks - recently I found that payments that I had scheduled to automatically pay each month had not been sent for two months and when attempting to verify found that the bill pay system was down, this lasted for 2-3 days. I was told by tech support that it was my fault for not checking to see that things had transferred correctly..... I loved Innovations until this - not sure if they did it to save money or not but they made a horrible mistake and i am sure that I am not the only customer that has suffered......
i like it. i've been a customer for about 30 years. they have always been helpful.