I have had absolutely no problems with Bank of the Sierra. Even though I live in the San Francisco Bay Area, my mailed deposits (to Porterville, CA) are handled promptly, accurately. I have never had to pay any service fees; they have even refunded ATM fees for non-associated ATMs.
I have had difficulties with a large bank (whose initials begin with Ch---); I advice anyone to bank with smaller American-owned banks and credit unions!!! [by the way, even some smaller "local" banks may have foreign ownership].
I have been with this bank for close to 2 years it has been one disappointment after another. I specifically asked for no over draft protection and when my account was over drafted I was informed that when I asked for this coverage to be removed it was only for 30 days and I was supposed to have filled out another paper. As if I knew that!!!!!! I was trusting when I opened this account I would be notified of stuff like this specially when I made it very clear I wanted that feature taken off, not just for 30 days. I was also told by a teller that "sometimes" they will honor pre authorized transactions even if I requested that if the funds were not available I did not want anything to go thru, I was very worried that my money would only "SOMETIMES" be protected. She could not be specific on when "sometimes" would apply. The manager was rude and would not answer any of my questions, she would give me the run around. I was trying to support my community bank but I am ready to close this account. I would not recommend this bank to any one.
I own a veterinary hospital in bakersfield. I opened 4 accounts at this bank, 2 are interest bearing. Last month i noticed that i earned zero interest. When i called, i was told i did not have any interest bearing accounts. Wtf. Upon further research, and only after i disputed what they said, they "discovered" that they had made a technical error on a recent conversion internally in their bank and somehow converted all my accounts to non-interest bearing accounts. Unbelievable. I am now fighting to get my interest for the last 1 1/2 months. Will be closing all my accounts at this bank and filing a complaint with regulators. Idiots.