good customer service. love the small bank feel!!! where they know you buy name when you walk in the door! great for savings/checking accts as well as a mortgage(including refinance) they keep a close eye out for fraudulent transactions… but not to the point of being annoying free online bill pay limitations that come with a small friendly bank: a smaller assortment of atms out of the local area, the online presence is not quite a sleek as the big banks.