Shady - shady - shady. I've been banking with various institutions for 25 years, and I have never had reason to utterly detest a business until now. These folks will take your money, sure, but if they make mistakes with it, you pay the fees. And God forbid if you make a mistake on an account number and a payment is misdeposited into another of your loan accounts, they don't call or write to ask what's going on, or notify you (like every other institution does!), but instead report your "failure to pay" to the credit agencies and even sell your "debt" to bill collectors! (That's how you discover problems!!) Even when they have had the money you supposedly owe them all along! It's worse than appalling!! They won't work with you, they won't fix anything, and they couldn't care less about you or the impact their callousness and lack of customer service has on your life. They are shady, shady, shady.
In sum: STAY AWAY! Go anywhere else!