“Decent”

I've had an account with this bank for many years. Their online banking is the best I've used so far, or maybe I'm just used to it. I use their online bill payment for just about everything. I have checks when that is needed (very rarely) and they have given me a mastercard with a $2500 limit (which I didn't apply for, they just asked me if I wanted it). The only annoyance I've had is great difficulty getting my debit cards sent to me. I have a PO Box which they will not deliver to, even if my mail is being forwarded to it. I know it's good security, but I couldn't even get them to send it to a local branch so I could pick it up in person. You do have to read over their fees and do your banking accordingly to avoid them, but it can be done. In all the years I've used them I've only paid a fee for a foreign (country) transaction on my debit card. That's a bit annoying, but it was less than $2 so ultimately not a big deal. For online bill payment this bank is really the best IMO. They don't charge monthly fees for using the bill pay, although they will charge if you go over 20 payments per month. I've never gone over it and I use it for everything from the light bill to my mortgage payment. They also have email alerts that will tell you when your credit card bill is due and the daily balance on your account. This is very useful for me, it saved me from being ripped off when my debit card number was stolen and used. I would highly recommend this bank for online checking account and bill payments. Not so much for savings though as their rates are pitiful.