I hate to break it to you but vast majority of small regional banks are scams. I learned this hard way trying to support local bank instead of big ones. It turn

I hate to break it to you but vast majority of small regional banks are scams. I learned this hard way trying to support local bank instead of big ones. It turns out these banks are run by bunch of private equity firms for the sole purpose of lone manipulation. After they serve their purpose, they “almost” go out of business until another equity firm picks it up for cheap for another rinse repeat cycle. My local bank changes hands about every 2-3 years. As a bonus you get crappiest website with giant security issues. Your money is safe there only below federal limit. As long as banks are concerned, always chose too big to fail ones.