Its hard for me to complain about Heritage but I do think its bad customer support... I made 3 smaller deposits of less than 300 but totaled more than 300, instead of one larger deposit that was over 300, as customer support wont issue me a 50% bonus. I've been with them for a while and would think they would make a 1 time exception as I simply did not know the rule however they aren't budging. If I make 3 separate deposits vs. 1, I don't think there would be any additional processing charge to heritage, so what is the difference. Its just bad customer support.