I went on-line to pay my Orchard Bank Credit card bill on 12/31/09. The payment is due on Jan 3rd. When doing so, I got a "pop-up" message that stated that the soonest my payment would be applied would be Jan 4th !!! How can that be when I paid it online on 12/31??? So I was informed that I would need to make an Express Payment that incurred an additional fee of $12.95 or I would be assessed "late charges" of $30.00 This credit card company is absolutely the WORST !!! I am complaining to the Better Business Bureau and every other agency I can think of. STAY AWAY FROM ORCHARD BANK !!!