Firstly, the staff at the Murphy branch are friendly and try to assist--I would give them FIVE STARS. Corporate, however, is another thing. After opening an account, the first major issue was trying to get online banking to work. It appears that the system is fluky and seems to be down a lot--good luck trying to pay bills. Another issue is corporate response (or rather the lack there of); if you are lucky enough to get a live person, good luck in getting your problem resolved. One of corporate's stock answers is that you have to go to the branch office; in other words, they have no clue. Simple normal/routine banking tasks CANNOT be performed locally, but have to be performed at corporate taking an inordinate amount of time (and sometimes never getting completed). I deal with some banks--Truist, Suncoast, First Citizens, etc.)--and have NEVER SEEN such backward procedures and disregard for customer service. read more