I have had all my main accounts at the Leonia Branch for years. The Manager and all the workers have been friendly and extremely helpful When a mistake was made they corrected it immediately As for overdraft fees all banks charge them. Simple solution is keep your records up to date and dont over draw your account

I had the Smart Checking account and I was stunned that I didn't get the high interest one month. They said there is a charge comes in as pin-based purchase. It was the online payment of my cell phone bill. Although they acknowledged that it can't be pin-based (since it's online transaction), they said "it comes in as pin-based and there is nothing they can do about it." So don't be so certain that your signature based transactions will be counted as signature based.

They will find any reason in the world to reject one of your transactions... saying that you need to contact them to raise your daily limit. CONFIRMING IS LIKE PULLING TEETH IF THEY ARE ACTUALLY WORKING WHEN YOU NEED TO MAKE A PURCHASE. Sometimes they just reject transactions for "Potential Fraudulent Activity" and shut down your card. You have to walk away from the sales counter, unable to access your own money and talk to them later. The mobile app? A joke. Fingerprint scan, passwords, etc and they STILL make you re-verify by asking your great grandmother's maiden name and the street you grew up on. It's great security right? Helps you to keep your money secure? HAH! I've had one company fraudulently take money out of my account on TWO occasions now. Provident Customer Service told me essentially "too bad, work it out with them directly". All of this security to inconvenience you, the account holder and keep YOU away from YOUR money while other businesses can take what they want. Ridiculous.