There are a few good representatives at this bank but for the most part I get alot of "deer in the headlights" looks. They are not sensitive to customer needs. They do not respect customer requests (IE take you off the junk-mail list). They know less than I do about banking. They offer very little strategy on fund allocations. They have below average interest rates. They go back on promises (still haven't seen supposed rollover points). They take too long to process simple transactions. And they do not cherish a customer who had been with them over 18 years.Do yourself a favor and skip them. Try one of the other banks in town that will offer similar of better packages but still have a small town feel to them. One that will know you by name when you walk in instead of saying, "Sorry but in our system you did not exist prior to 1996..."Afterall, in small town Circleville, I think most people are still seeking to do banking with a small town feel.