I have had them for 5 years, and can't complain. Customer service is good, and if you ever have any fraudulent charges, you have the money back in your account usually by the next day. I'm signed up with thier email notification plan, that they send me my balance daily, and warn me when it goes below my specified amount. It also warns me when I have any large transactions on my account. Their overlimit fee is high though, at $36 I beleive. I rack up crazy miles with their continental rewards card too. I'm happy with them.