I have to say that their CSRs are nice and knowledgeable.
During normal business hours, they reply an email in one or two hours.
Mailed external account application several days ago,and today I can set up ACH transfer ,that's amazing.
everything goes smoothly so far.
btw,their performance checking account is very attractive: free ACH in/out, free billpay, free first order of checks(with billpay,who need these checks?),no minimum requirement,no service fee. Up to five monthly ATM fees reimbursed. If you choose e-option, the interest rate is higher(higher than most other free checking accounts. Btw, don't tell me presidential is 3% now. ).