I have been with valley view for years. The staff are competent and fairly friendly. There are atm locations across on the kansas side of the kansas city metro area and parts of missouri. I used the bank atm near where i live in missouri and where my parents live in overland park, ks. The online banking software is average. I would like to get a higher interest rate on my account. I use an online savings bank and i use ach transfers to send money from my online bank to my valley view account.