started as American Express Banking but was spun off in the mid 2000's. their rates aren't the best but they're easy to work with and they refund ATM fees. On-line experience has improved from where it was but it's nothing special/fancy. can consolidate HELOC and other products (which is a big plus from before).
I would rate them as a solid B since their rates seem to be average.
I love this bank. If you don't require a branch experience (and they re mostly bad anyway), this bank works
1. interest paid on balance
2. they rebate your ATM fees
3. they don't charge you an out of network fee, so all of your ATM usage - anywhere - is basically free
4. bill payment - free
5. good overdraft policy
6. 24 hour service
So, if you can deal with needing to mail in the occasional deposit, then these people are the right folks for you. -c-