This bank is probably great if you stay local, and only ever send money to Mexico. I imagine older folk might like it too, as it has a friendly, small town vibe, and keeps regular business hours, no more, no less. As for us, we had an account here and had problems almost every time we traveled overseas, to the UK, Europe, Asia or Australia. The transaction would be flagged as unauthorized, and the account frozen. So we'd be stuck somewhere without access to money until it got sorted out. They kept an old-skool Mon-Fri 9-5 schedule, too, so trying to get these snafus dealt with while factoring in international time differences, long distance phone charges, etc was a nightmare. Even when we told them we were going out the country, we had problems with using our account overseas. Trying to converse with their Lubbock phone staff was excruciating, because I don't have an American accent, and would get a beat of silence, and then an 'Ex-CUSE me?!' after I'd spoken. Small town in every way. So glad we switched to a big bank read more