They have charged me overdraft fees when the money was in the account. They failed to post deposits and intially showed them as available funds; and subsequently showed them as not being available. The wait time to speak with a representative is always at least ten minutes when I have called, and they have made several balance errors in the past two months. I had excellent service when it was Commerce; this is a stark contrast and I am changing banks immediately. I did some internet research and I feel good knowing I am not the only one and changing financial institutions is the right move.