Pros
They give the illusion that it's a great place to work initially so the people are fun. They provided decent benefits comparatively (still not affordable). You can schedule your own paid time off (two weeks to start) in the system and get paid well for working holidays.
Cons
It's retail banking, high turnover, only about 30% of reps meet sales goals, does not promote from within (no matter what they tell you). They set unrealistic goals and then route calls strategically so that the better sales people get the better sales opportunities, and weaker sales people get the customer service calls though everyone is expected to meet the same goals. Average points per account is about 100 and the goal is nearly 6,000 (could be higher now). Thus, the harder it is for you to get sales, the harder they make it for you. You DO NOT get the big points from loan referrals unless the loan goes thru 100% which means that it could be six months before you get anything and your job performance depends on customers' credit (something that you cannot control). You can close sales of products and pull applications all day long but if they don't qualify you get no recognition. Your customer service and call metrics can be 99% compliance and if you don't meet sales goals you are OUT. Period. They set you up for failure.
