I quit shopping for them becasue of several reasons, and this is one of them. I am fluent in Spanish and loved their bank shops for fluent Spanish speakers....BUT!...they started requiring a photo of my ID with every shop...the bank I was doing shops for is bound by federal law to protect identity (although, that and a quarter will get you a ride on the bus), so I could feel somewhat secure providing ID for the account opening, but Ath is not bound by federal law.....they can be hacked, just like several other MSCs, and then, poof!, your identity is stolen, along with your PHOTO ID (DL, Passport, etc.). And to have to submit this with every shop? That's asking for trouble.