You are so right Lisa. Top add to it this bank (remember it is nationwide) is holding our funds in our new account for 10 days. They say until the checks clear. Now we all know how fast checks clear. We have 3 other accounts in this bank... one with a substantial amount of money. If I hadn't been in the situation I was in last week I would not have opened that account. I am shopping around for a new bank to transfer everthing to.