This is a scam if I've ever seen one.  Got a message from what seems to be a personal line from a person named Marc.  I would assume it's the same Marc that commented on this board.  Spelling for many of these posts is incorrect.  If that's not a clue, I don't know what else to tell you.  Do not do business with this company

Whoever posted the first couple of messages commenting about what a wonderful service that is provided, is full of "you know what!!"  I received a call from this number, but didn't answer.  When I called the number back, I reached a recording that stated "the Magic Jack customer you have called is unavailable."  NO LEGITIMATE BUSINESS USES MAGIC JACK!!!  And, the people who have posted can't spell.....pathetic!!  Just as Jacob has stated, this has scam written all over it.  Those in on it, have made the false posts, hoping that some sucker will think "real" people have used this "bank" and it is safe and legitimate.  It is NOT!!  Don't answer calls from this number, and definitely do NOT use the "service" offered!!  SCAM!!!

For new readers: Around here we call these people 'shills'. They work for, or are part of, the scam. People happy with a product or service do NOT search that number out after the fact. If the job's been done, why would you look a number up? The posts of course are planted to make the scam appear 'legit'. The bank won't even give you a calendar, but an online 'loan' will give you $50,000.00, unsecured, at 2%? My! Those Colorado cookies sure are good! These scams always involve an 'advance fee'. NEVER pay money to get money. Wire transfers are usually mention. NEVER use them for people you do not know.
http://www.westernunion.com/sites/us/consumer-protection/KnowledgeCenter.page
  Never send money to people you haven't met in-person.
  Never send money to pay for taxes or fees on lottery or prize winnings.
  Never use a test question as an additional security measure to protect your transaction.
  Never provide your banking information to people or businesses you dont know.
  Never send money in advance to obtain a loan or credit card.
  Never send money for an emergency situation without verifying that its a real emergency.
  Never send funds from a check in your account until it officially clearswhich can take weeks.
  Never send a money transfer for online purchases.

The above mentioned details are so true, i verified paydayforest is true bank,..
their office is so cool....
the ladies staff are really humble and i can depend upon them.

Could give the address to this cool bank? <not really> Other wise how can anyone believe this is a legit business?