They are friendly and speedy. They have all banking products including Online Bill Pay. Their local retail branches have nice people and they will accommodate your basic banking needs, but nothing too sophisticated. Their hours are better than every other bank in town. They local bankers have very little decision making, but for most people that is fine. Their products are not expensive. After trying multiple banks in town, I would recommend this bank. However, if you need to sit down with the secession makers to seeing a business loan, these local branches are not ideal.