Read their Fee Disclosure. Monthly fees imposed for things that are free elsewhere.

Don’t get an automatically renewable IRA CD if you travel out of CA for business or pleasure and can’t personally visit the bank during the maturity/grace period. The bank will throw up every roadblock they can to stick it to you financially if you want to roll over the account to another organization offering a better return on the money. You can’t: Come in shortly before the account matures and instruct them not to automatically renew (they will tell you such a request is impossible to accommodate). Do your banking at a branch near where you will be since PWB is only in CA. Get cooperation between your new financial organization and PWB and do a rollover. Have your new financial organization give rollover instructions during the maturity/grace period over the phone. Have your new financial organization give instructions during the maturity/grace period via email. Have your new financial organization give instructions during the maturity/grace period via fax. Personally give PWB rollover instructions during the maturity/grace period. They will refuse to do a rollover since you don’t have the paperwork from the new organization that they couldn’t even explain to the new organization signed by you telling them to send the money to the new organization. You will: Get hit with a substantial early withdrawal penalty if you will be back in state a couple of days after the end of the grace period. Be forced to take your money as a distribution (make sure the IRS knows it really isn’t a distribution! ). Be hit with IRS penalty from your principal if you are not old enough to take the money penalty free. In summary, don't even THINK of banking there!

Note that the bank does not seem to have web-based account opening - I was asked to make an appointment at a local branch. They also said that they could not do ACH transfers to fund the account.