This is exactly what you look for in a bank. It has a small town attitude - smiling, truly friendly tellers.The employees make you feel like a valued customer and glad that you came. But it also has urban convenience: totally online banking available, no ATM charges, they do not charge for using your card as debit instead of credit. It also has a totally free checking. And easy to use automated phone access to your banking account info.A great place to bank!