Guardian Savings Bank in Fort Wright, KY

I have been a mortgage and banking customer with Guardian Savings for a little more than 2 years. I went with Guardian Savings Bank because of their low APR but now I can see that I got what I paid for. I was initially misled out the gate. I specifically asked if I could pay bi-weekly and the mortgage adjuster told me that I could. Although technically correct that I can pay more than once a month, my payment is only applied once per month and thus I feed intentionally misled. They are also completely unable to set up an online account to see your mortgage balance unless you sign up for a mortgage checking account. So I did that, and set up that account to pay my mortgage once a month. Then they shut down the account when I didn't visit the bank in person for 12 months. They did this without attempting to contact me via phone or email. They have frequently requested that I leave work to visit them in person instead of working out a problem via the phone. I can only assume they want a friendly face to face interaction however their hours fall exclusively within my work day. Right before they suspended my banking account, I refinanced through them. The lady I worked with completely refused to work with me through email. She repeatedly did not answer questions via email and then tried to call me on the phone, interrupting me at work, to speak with me instead of answering my questions in writing. She at one point asked me to leave work to come into the office since she was unable to explain a fee over the phone, after refusing to explain via email.