1 /5 Geoffrey Pratt: An ok bank but make sure you read the fine print. Not sure exactly how much money theyve taken from me for service charges but its quite a bit. They not only gave over 600$ of my FAFSA payments to some collection agency but they charged me $150 dollars for their "legal services". Then when I had to drive all the way to Calistoga just to get the rest of my money out, they refused to close my account. And surprise, surprise. Theyre now charging me service fees after canceled my debit card and refused to let me close my account. Might as well go to Wells Fargo and get screwed by a national chain bank.