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].
Primary Account is not defined by Paypal as being the primary account billed with autopay transactions. If you change bank accounts because you moved out of the local area, close your Paypal account first. Bank of Sierra is profiting primarily through overdraft fees. Paypal is set up to maximize overdraft. Nobody would expect the definition of Primary account not to mean "first account to be billed". Bank of Sierra profits horribly from this misconception. With overdraft protection and Paypal routing your money unexpectedly to the wrong account all Banks win. Bank of Sierra has no intention of reversing overdraft charges due to Paypal's underhanded strategy. Why would Paypal do this? Because Paypal/ebay owner also owns stock in various organizations in Micro financing. These organizations make most of their profits from overdraft protection. Paypal is conveniently set up to maximize profits through overdraft. I would have never known this until I moved. It must really be horrible for poor people in America that live paycheck to paycheck. This is the first time I have over drafted and it only happened because I moved. They literally stole $1000 from me in overdraft fees this month when I tried to change bank accounts and Paypal routed my money in a direction I didn't expect it to go. Watch out America, it's things like this that turn countries into a war zone. O. Pierre is a French Iranian with heavy sentiments toward Iran and Iranian allies. Bank of Sierra is profiting heavily from his underhanded techniques to rob you of your labor. Banking local just means it's more difficult to close your account after you move.
I opened my business account just 1 week ago. I have had a business account with bofa since 2008. I have a property management company that is licensed with the feds and the state of cali. After the clovis branch checking me out thru the state and check system, it was ok to open the account. I gave them my ein number, id, operating agreements, etc. I was given temp checks until my check order came in. I deposited 2 checks and tried to deposit a third one thru their atm system (which sucks) then waiting for the check to clear being deposited into the new account. Only to find out that the check i gave them was sent back due to being a counter check from wf bank. I was told that they returned it due to my info not being on the check (which is a lie). However, all my info was on the check. I found all this out by calling asking about the check i deposited. I shared with erica that i wrote checks against my new account and why did they send it back and not even try to process the check. I could see if the check bounced but they didn't even try to process it. I went to wf bank and they told me their is nothing wrong on their end. I tried to check my balance at the hanford atm but the atm took my card. Then i called the next day to ask why? Then i was told that my account was closed due to fraud. I went to the bank to find out why my account was closed. They told me that they suspected fraud due to the fact that i stated "suite" on my address instead of telling them it was a ups box #. I asked dennis the manager, don't you think a phone call should have been made to me letting me know what was going on instead of them sending a letter and a check for the remaining balance of my account. They couldn't answer my questions i had for them. This bank sucks. A good thing i still had 1 check to clear bofa before i was going to close the acct. They didn't even care that i had checks writen against the new acct. Piss poor banking experience!!!!