I am so IMPRESSED with Homestreet Bank!!!!! I actually used to work for Bank of America, which in my opinion they are beyond a corrupt bank and I suggest stay away from using their products, programs and accounts! They are out to make a buck off of their customers, at their customer's expense. Homestreet Bank has proven to me that they have become a kinder, gentler bank and are obviously trying to differentiate themselves from those other bank crooks! My checking has been awesome. If I have a bounced check, they automatically reverse the order on processing to make the smaller items clear first and the last one that puts you over last. I'm AMAZED!! Bank of America used to adjust so that they got the most fees. I HIGHLY recommend Homestreet bank!!!