I would recommend this bank to any in the area in need of a bank. We have used them for 3 years now without any troubles. If you do direct deposit your checking is free. We also get free checks, online banking and bill pay. We got a boat loan through them and received half a point off our interest rate since we are account holders. The drive through lines are usually slow so allow your self time for that. There are many branches around the area and lots of Mac machines in other counties free of charge.