This really is the convenient bank. The hours are better than any other bank I have dealt with. They are open on Sundays which is basically unheard of around here. And, on Thursdays and Fridays the branch near me is open until 8 PM. The people at my branch in NJ are so nice and helpful. I love the coin machine they have- especially that it is free to anyone that has an account there- much better than paying to use a coin star machine at the supermarket! The Cd rates and money market rates are definitely comparable and in line with other banks. All in all I have had a good experience with this bank.