Without a doubt the worst bank ever. Tried to get a mortgage, Very good in fact excellent credit rating. Loan was for 25% of value of home, very highly talented sales team but beyond that a bunch of people who have no idea as individuals on how to get through the mortgage process. Totally lost, Lack of communication, no customer service skills just corporate guidelines,no ability to think outside the box or inside the box for that matter. Managers who really do not care, all about online volume and numbers.