Client Review on Small Business Bank

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Imagine a bank staffed with personnel lacking all knowledge on banking using technology from the early 2000s and that is Small Business Banking defined. Deposits may be held 3, 5 or maybe 6 days. No way to know as there's nothing telling the account holder how long. Just depends on how the bank feels. If fund are held for 5 business days, they become available on the 6th business day at 4pm CST. No ATMs so unless you can drive to the one branch, cash and check deposits are not possible. If the app is down, deposit via mobile can't be done. The debit card offers 0 for use. No rewards, no cash back, not Samsung, Android or IPhone pay capable either. Its serviced by the bank so if there's an issue, you will have to call during banking hours. Do yourself a favor and ditch the useless Visa bank card and use Spark or another credit card that offers 2% cash back or rewards and merely use the bank account to payoff the card every month. The bank server routinely goes down which makes all banking stop. No account access, ledger or anything. Has been down for not mere minutes or even an hour but DAYS before. It is shocking who the Federal Reserve will allow to become a bank and the bar for FDIC must be astonishing low these days.