Sorry, I know this post is old, but I just have to say, I will never deposit at either one of them. I tried to talk to live chat one day and she got really rude with me and in the middle of asking a question, she said bye and ended the chat session. I emailed the chat to them and NEVER even got a response. The sad part is that the representative that I was complaining about probably got the email lol. It seems that they do not care about their customers, just from my experience...too bad.