This bank is nothing too different from other banks. They are mostly located in Ukrops stores, with a few brick and mortar stores of their own around the Richmond area. Since they are hooked with Ukrops they offer rewards of free groceries for using your check card, signing up friends, and getting lines of credit. We have a special free account for teachers. It offers free checks and checking. Sometimes we have had to call because we get charged for our checks, but the fees are reversed. There is free overdraft that is free until you use it. Then there is a handling fee, but reasonable. Most tellers are very personable and helpful.