This is the worst bank that I have ever used. They are laggy the customer interface is not intuitive. Simple things like making inter account transfers become extremely difficult because there a number of steps that they do not list instructions for on the website so you have to call a service agent to help you figure it out. Today I was kicked off the bank 4 times while trying to run my employee's payroll and each time it took 20 minutes before the bank would even let me try to log back in, it just displays the message "commercial banking temporarily unavailable". Our company will be taking it's business elsewhere very soon.