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Have to admit CFB is convenient and gives us a local bank to deal with, should we need to write a check in the local area. Found them pleasant, helpful, and easy to work with when setting up a new account. Online experience was a little hard to negotiate (different mind-set?) and when looking to transfer money for closing and allow CFWM to withdraw funds, their schedule of fees indicated I would pay an incoming transfer fee along with my bank charging me an outgoing transfer fee. Needless to say, elected for a cashier's check from my bank (free) along with notary signatures needed (also free) and sent back in the pre-paid UPS package with closing dox. We also kept our Chase account, for national access.