So I got 2.49% interest on refinancing 2 cars. Great Deal! I get free checking with 3% interest paid on my average balance. Also a great deal! I get a free ATM card that is linked to a nationwide network of ATM's to use for free. Another great deal. I get charged $5.95 per month to use their online bill pay service (free if I keep a balance of $3,000 or more in checking...This is the worst deal I've ever heard of and it $ucks. I will be closing my checking account tomorrow. Thanks Not So Golden Plains CU!!!