I just opened an account with Bank of Internet, I like to do all my banking online, ease of use, fast and 24/7 Cust Service - you can't beat it, they don't nickle and dime, they fully disclose, always understand how banking works before you sign up and you will be fine here. They have high ratings everywhere you look, those that have made negative comments I find generally did not understand what "they" not the bank was doing.
This bank took over a mortgage I had. They have over billed, demanded impounds that don't exist, lost my insurance coverage several times and tried to bill me for more insurance. Their fax numbers don't work. They have now destroyed my credit by reporting that I was over thirty days late several times and I have never never had any late payment. They are abusive and don't even try to correct their screw-ups.
closed account. bank of internet sent a check with remaining balance that was not valid, so was unable to deposit. almost two weeks later and still haven't gotten a response (or the funds) from their customer service.