The short version is that while these guys offer competitive rates, their customer service stinks. I've had better experiences at the Dept. of Motor Vehicles. If you actually need to speak with a live human being, be prepared to hold a very, very long time. If ever you actually do get to someone, be prepared to be treated like crap. If, by then, you're not satisfied with the answers you get and request to speak with a supervisor, be prepared to be put back on hold and start the process all over again with the pretty much the same dissappointing outcome. If I didn't know better, I'd think these guys were actually government employees with years of extensive training on how to treat people like dung beetles. Ironically, I put some of my hard earned money with these knuckleheads because a friend spoke so highly of their rates. When I told hime about my recent treatment frome them, he told me he had the same problem and closed his acct, too. I wish he'd told me that BEFORE I opened mine ... After this recent experience, I checked my local credit unions and found they offer rates at least as good or better, and I can walk in any of their local branches and actually get treated like my business is valued. Chalk it up to another lesson learned. I'm closing my account with these goofballs and bringing my money back to a local credit union.