Have banked with First State Bank for over 30 years, and always had very good service, from very good people.
These guys don't refund unauthorized charges! They had me sign something THE SAME DAY I discovered the unauthorized charge. Then avoided me for weeks. When I finally got a hold of the one and only person who could help me, I was told I didn't have enough documentation and my account was overdrawn by their ridiculous fees! They didn't even start the investigation. And the corporate office wouldn't help me either. Said I had to talk to the same guy who avoided me for over a month now and would not return my calls!