When we build our house in Wright City, we decided to go with this bank. It is a nice building and offers the features the average person would want from a bank. They do offer a free checking account, but you must pay for the checks. They print the checks on-site. There is a limited selection and they are not cheap. To get a savings account you must keep a minimum balance or a service fee is charged. They do have an internet café (2 computers) for their customers to use. They also offer ATM features like most other banks and also online and telephone banking. There is an overdraft privilege. My complaint would be all the fees they charge. It is a nice facility and also includes a post office. The post office is not full service but is a good place to buy stamps. The staff has always been helpful and friendly.