I have been using this bank for 6 years. We have issues with them every once in a while and, it is always the same thing. They neglect to update our positive balance after a deposit, we go grocery shopping, check out and our card is declined. This problem is always fixed buy one phone call. Other than that, I really like this bank. We deposit a check and the funds are available several hours later. We have had a hold once that went over a day on a check deposit, and it was an accident. We have gotten numerous small emergency loans as well, that have been life savers. They are also extremely reasonable as well. Many times I have accrued fees from simple mistakes, both mine and others, they are willing to work and listen with you, and they have reversed quite a few fees for me. I don't foresee any reason that I will ever switch. read more