I've been using this specific branch for about a year now. I'm a paralyzed disabled veteran in the Va Hospital in Augusta, Georgia. Though I'm out of town, they take care of me very well. They also have a very good referral bonus incentive. I've been a member of this bank since 2002, when it was First Federal Bank. I had no credit, just starting out again from my horrific injury and has helped me to establish a very good to be financially responsible. They have programs for kids too.