This bank gave us a pretty good rate on our mortgage, so we were going to do all of our banking through them. The one downside we found is they have a monthly fee for the ATM card of $1. I know it's not a lot, but when you are investing a lot of money somewhere, you'd expect this to be one of the added perks. So our mortgage will be through them, and our savings elsewhere. The customer service was satisfactory and we didn't have to wait long in line.