That is the bank i go to Jen. It is just 3 miles from my house. Anyhow, I got there and I have known the manager who is now stepping down to part time because of health, was not there and the new manager talked to me about my accounts. She explained that mine would have NO service fees since I have one that they did for people over 50 and that one has free everything plus they are going to add interest to it. So, I left there feeling better and did not close out the accounts. We will see, if that is not the case, I will go back for sure.