Credit card hidden fees and poor service. STAY AWAY FROM Orchard Bank!!! They will charge you late over draft fees even if you weren't at fault! This company is full of fraud, take good peoples money!...I have tried to explain to them I make my payments timely they will NOT waiver any fees... even if it wasn't your fault. I suggest you cancel there card immediately if you have one. STAY AWAY FROM ORCHARD BANK!!!