I've been with Austin Telco for years...my mom has been with them for years....my grandfather has been with them for years....well, you get the picture. I've been banking with them for a while, and I love that they are a very basic, no frills bank. I never have problems with them. They don't have too many locations, but there's enough of them and they've teamed up with other local credit unions so that you can use their ATM's without getting an extra fee. I will never go back to another large, no personalized service bank.