I'm Surprised By All The Negative Reviews Here Because I Opened An Absolute Checking Account At

I'm surprised by all the negative reviews here because I opened an Absolute Checking account at Viewpoint in Oct 2009 and everything is going smoothly.  There were no problems with my application at all -- maybe because I did it in person?  The processes seemed to be skewed strongly toward requiring people to be there in person to open accounts, including requiring my fingerprints, so it may be that online applications are examined much more stringently or are in general not accepted.  Just a hypothesis.  If you are really interested in the account, then I would recommend applying in person to be safe.  The only hitches I ran into were temporary: they didn't accept a passport as a valid ID, my hubby had to appear in person to add him to our joint account, the online system wouldn't let me order checks, and I was confused about the delay for crediting interest (if you do 15 transactions in January then you get the 4% interest credited at the end of February).  Now that those issues are resolved, it's working just fine.  Oh, and the BillPay interface isn't as good as my last bank's, but I'm learning and my bills are being paid on time.  Customer service has been good, and there is a B&M location just a few miles from my house with extended hours.  If you live in the DFW area, then I would consider this bank to be a viable choice.