This isn't a bank, it is a federal credit union, which is backed by the federal government and offers all of the same services as a bank. The difference is it is owned by the members. This means your money goes towards the success of your business. The staff there are fabulous. They are happy, friendly and eager to serve you with all of your banking and investment needs. So if your tired of banks, go to Palmetto Citizens Federal Credit Union. You won't regret it.