Pros

- Local bank with friendly staff willing to be of help

- Web banking solution that allows you to perform the basics well

- No fees for using other bank's ATMs

Cons

- Web site is clunky and dated

- No mobile banking solutions and not hearing of any plans to offer any

- Online tech support isn't as knowledgable as they should be

- Supports integration with Intuit's Quicken, but no ability to help troubleshoot

- Savings rates not competitive with online banks

They held an electronic fund deposit up for 4 days. Transfers had never taken longer than 24 hours. This caused 4 items to post but there were no funds. They charged 30.00 for each item paid plus a 5.00 negative balance fee. I am on a fixed income. I now have to barrow money to pay my trash and feed my dogs. Apparently, this is common practice with them

They ,make everything as difficult as possible. Need to report unauthorized charges? Want to stop them from approving all debit card purchases? Need checks? Need your statement because there's never showed up? Fine. You can have it all but only if you go into the bank. This is a rural state, they are an hour away and I am disabled. They don't care. This is my last month of their terrible, shady service. The 3rd of next month my direct deposit is going to another bank.