I have been with Orchard Bank for 5 years. I have paid my account faithfully every mouth, sometimes only the minimum and other times more. I was late once in those 5 years and that was right after I started they added a $75. membership fee. I wasn't sure what it was and I called and asked. I paid the membership fee off quickly. I opened this account to establish good credit. I have done everything that I am supposed to do. In May, still trying to keep my credit rating up there, I called and wanted to change the account that they were... read full review »