I have been a customer of Incredible Bank for a few years and have been very happy with them. They have excellent customer servies and very high rates on their checking account. Fits my needs entirely
I didn't login for about 12 months. Had $5K there. They then levied a $15 paper statement fee on me because they automatically converted me back to paper statements as I hadn't logged in. But I've been downloading transactions to Quicken for some time.
Called them up, and they refused to waive the fee.
Frankly not at all what I want in a financial institution. There are many online banks and I recommend folks put their money at a bank that doesn't have customer unfriendly policies such as this.