"It's too bad about the negative reviews. I am a new member and I used them for an auto loan recently. So, I don't really plan on banking much there but I did have to open a checking account in order to get a loan. The loan process itself was relatively smooth, quick and hassle free. I got an awesome 2.98 interest rate. Teresa Popp was my loan closer and she was very nice and friendly. She has been more than helpful.\n\nI might see how the ATM only use could frustrate people, but I am not going to be using them much for that. However, I don't see the big deal. My main bank that I use, I do everything online and through ATM. Makes life easier that way. Who would want to go inside and deal with a teller all the time? Anyway..If you want a loan for something you should try them out, as I had a good experience."^^ . . . "10"^^ . "2012-07-18T00:00:00"^^ . "0"^^ . "4"^^ . . "0"^^ .