If you are part of the population that is unwilling to join the 21st century and embrace technology, then you will likely really like this bank. They are really friendly and nice and their hours are great, its why I originally picked them.But I dont need round the clock banking any longer. As most of the banking can be done online. They have actually came a long way in this respect as well.Recently though they have backtracked. You can no longer send electronic payments to others from your bank account. They literally send a check. In an unmarked envelope that looks like a bill someone would just throw away. This is the third time I have been sorely inconvenienced by this lack of technology.After tens of years of using, and recommending them, I think I have to move on. If you have embraced the 21st century, or intend to in the near future, then look somewhere else for your banking needs.