DO NOT sign up to a credit card with this bank. They have mastered the art in robbery. As soon as you sign up it is a one time fee of $69, and then an annual fee of $69. Now, the annual is broken down monthly at $5.75/month. Here is the kicker! Unless you want to mail your payment, they will charge you a processing fee of $9.95 for both online and over the phone. So in reality, the "annual fee" is more of a monthly maintenance fee of $15.70 a month just to keep your account current on a monthly basis. Make sure you read the fine print on their credit cards. Buyer beware! They also have very shady customer service too. read full review »