Viewpoint Bank

I opened an account with Viewpoint bank about a week or two ago it was not approved. I called them and found out why and it was because my husband did not have any credit in his file and they told me to try again with only me on the account. (I am his caregiver and he is not able to write checks or use a credit card) I did reapply and put my husband and children on as beneficiaries and it was approved. Today I received my account number and debit card and also a copy of my application with the signature of the person approving the application and the date. It also has the names of the persons I listed as beneficiares so I have proof for my files.  I signed up for on line banking today and will find out if I was approved in a day or two. I called up to have my direct deposit started and the deadline to change the bank for my pension was the 10th of the month and it will not start until Sept. I did the online chat and was told the first month was free, so I should get the 4% for this month, but I will have to do the 15 debits this month and do one on line bill pay to get the 4% next month. I do not have a lot in the account yet I want o make sure the account is working correctly before I put a large amount in the account. I have used live chat twice and the person I that was on line has been very helpful and accomdating and answerd the questions fully. I was able to use select all and paste on word the whole conversation to print out. Hope this post is helpful.  So far I have enjoyed working with this bank. I liked that when they sent the papers back for signature that you did not put all the personal information such as social security numbers etc on the paper in case it was lost in the mail. When they sent the paper back to me it had my SS number and drivers license on the paper in their handwriting to verify the information I had given them was correct. No personal beneificiary information was put on that paper that was mailed back to me. Only names and relationship.