I have been banking here since it was the First National Bank of Southwest Ohio. They have been about average as far as banks go for all that time. They have friendly staff and clean and attractive facilities. Like a lot of banks, they take care of debits on accounts before they add credits which has cost me an overdraft fee on my checking account twice. When you make an ATM withdrawal and then realize that you just withdrew a couple of dollars more than you had, you are screwed, even if you immediately deposit the difference back into your account. What really annoys me about the closest location to my home is that the ATM receipt printer is broken and has been for over a month. If I want to check my balance, I new to go inside which sort of makes the ATM redundant. I could use online banking I guess but it never works very long for me due to password issues. read more