The best customer service & if you experience their customer serivce, you will never go to any other place to put your savings. There is no checking but you can buy travelors cheques, money orders, get a notary AND a cup of fresh hot coffee and if you have your dog with you - the dog will probably get a doggie snack! Since 1st Fed is a Mutual Saving & Loan, it can not be bought out. The only thing they don't have is checking. But with Money orders and Trav. cheques who need "Checking"?