The pending charges and in this bank take much longer than normal to reflect, let alone clear, so you will see on your account money you actually don’t have, or visa versa, for a number of days, which could lead to overdrafts, fees and all sorts of problems.When trying to resolve the matter over the phone today, all I got was a very rude grumpy old rep talking to me as if having an account there was some sort of royal privilege. Incredibly unprofessional. I would never recommend the bank for any service. There are dozens of better banks just around the corner.