Qualifiers To Comments Of Previous Reviewer

Dormant account fees only apply if you have neither deposited any money to the account NOR made a withdrawal in 12 months AND the bank has been unable to contact the account owner.  The only complaint I have with this bank is that it takes 5-7 business days for withdrawal transfers to an external bank account.  So, if you need to cover funds drawn against an external bank account in a hurry, forget it!