Advice I wish I could give to myself a year ago: do not use an online-only bank. Use a bank that you can physically go to and talk with a human when their online systems inevitably can't handle your "corner case". ING refuses to pay out my mortgage, claiming documents are missing, and sending an auto-generated PDF with an empty list of "missing documents". I'm losing my mind over here from the anxiety over payment deadlines and I can't even talk to another human about it because there's no in person office and no call centers.