Polaris bank, known as skye bank before, was bank as a child, my Dad opened an account for all of us and per term skye bank will give us gift, it was such a nice experience then, when we grew we withdrew our money and now it's the bank I'm using now, I've not had any issues with Polaris bank I love the bank sooooo much, I remember when my money was deducted I made a complaint and it was reversed people call old people bank but even if it is old it is safe