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In short, do not bank with American Patriot. They are completely incompetent. I have been banking there all of 45 days and they have messed up my account more than one time. In addition to the fact that it took them 4 weeks to setup my online account access, they told me I was a liar, that I did not make a request for online banking. When I went into the office to tell them I needed access to online banking (after filling out the online form and waiting a week,) the tellers told me, "You should just wait, he'll get to it." They did not want to help me, they wanted to get me out the door. Once I was finally able to access my account I authorized Comcast to take a payment of 258$ out of my account. Comcast debited a total of 1270$ from of my account. This was not what I agreed to with Comcast, but they would not help me, so I called my buddies at American Patriot Bank. They told me that I allowed Comcast to Access my account, this allowed Comcast to withdraw any amount they wanted. They then told me I could not file a fraud charge until I talked to Comcast (I had, and told them I had, but she told me I was lying, again, not in so many words.) This was the 3rd person at American Patriot Bank I had spoken to about this issue. After this I was a little upset, as I am sure you would be if you lost more than 1000 dollars. I told her, specifically, that I felt everyone at the bank was incompetent, that Suntrust or Paypal would dispute the charge and work with me. She hung up on me. I called back, the next person was no more helpful. She talked over me just like the previous person. Today I get a certified letter telling me I need to find ANOTHER BANK to fulfill my financial needs, "Based on your phone conversations with American Patriot Bank staff on 06/17/16, we feel it is in both parties' best interest if this account is closed." "....we will close your account in 14 days..." Thanks for being there, American Patriot Bank. Don't worry, I will tell anyone and everyone who will listen.