I love that I can literally go months w/out setting foot inside United Heritage (my bank). I have never had a problem with them, they're awesome. My check is direct deposited each pay period and I can always rest assured that it will be there and my bank will take care of it. I have a great checking account with them, no fees whatsoever, free web billpay. I pay all of my bills online and never have to worry about dropping payments off at the post office, standing in long lines at the grocery store to make my payments, writing checks, buying postal stamps, everything is done like clockwork w/ a click of the mouse. It's great. I'm very satisfied with this credit union and would recommend it to anyone looking for a new banking facility.