I have always found them to be rude and suspicious when applying to them for a loan. I have a 760+ Fico score, and asked for a $30,000 equity loan. I applied online and was contacted by a branch manager instead of a loan officer. This branch manager from the main office in Glens Falls told me that she wanted two years of tax returns and w2's before she would even hand it to a loan officer since that is what they required. I have never heard of a bank asking for w2's AND Tax returns. I asked her if she looked at my application and could pre-approve the loan request based on the information I provided. She then said that she didn't bother to look at the information and wouldn't until she got the tax returns and w2's and other information since that is what they require. As a mortgage loan originator in a bank for many years, I was shocked at this incompetent level of customer service and this bank's inability to even pre-approve a loan based on information given on an application.