I into signing an "application" which I then learned was a contract. I was told they would not deduct any money until we actually started our business. That was a lie. They immediately began taking money from our account, then charged us $399.00 to close the account. This company is unethical in my opinion. I would stear very clear from them. I've found several other companies that do what they do and they are honest. I'm not sure why anyone would wat to do business with this company.