From someone who actually banks with them (as All America Bank), here are the attractions: - decent interest rate on savings, used to be 2.5% not that long ago

From someone who actually banks with them (as All America Bank), here are the attractions: - decent interest rate on savings, used to be 2.5% not that long ago, but now is 1.75%. I don't blame them, I blame the Fed. - Push/Pull ACH with moderate restrictions and no fees. - No incoming wire fees. - No foreign transaction charges (but 75 cent fee for OS ATM useage). - No fees for the first 10 BillPay transactions, which is full featured. This is fine because you can pay credit cards and the like with ACH. - Generally low or no fees (but there is an overdraw fee). - Functional, reasonably snappy online banking without being needlessly complicated. - You can link someone else's account to yours so it appears like one of your accounts, with instant transfers. - Reasonable security without being too annoying. - If you ring them someone in the office will pick up the phone after a few rings, no call center, no stupid pointless IVRs. Sure sometimes they sound really hung over from the night before, but generally they're very nice. - Online secure messages are responded to promptly and you can do most things on it, none of this "please ring..." nonsense. - You can fully avoid the "Redneck Bank" marketing identity if you so choose. There is no mention on statements or online banking. I've been with them for a few years and I have no plans to go elsewhere.