BancCentral National Association in Alva, OK

The online banking is very good. If you do not use checks very much, the online banking can actually be used as your register as it is almost 'real-time'. Whereas, at other banks, transactions do not get reflected online while they are being processed, thus introducing lag. Huge plus is, this bank does not mess with the order of incoming transactions like other banks do (processing the largest first which may make more smaller transactions after it bounce) in order to glean more overdraft fees. Friendly customer service. The only down side to me is the new 'send a payment' method online that behaves like you wrote the check (doesn't come out of the account until recipient cashes it). I liked it better when there was no float on this feature.

They always have the atms shut down or something doesn't work on them. You can never get a hold of someone. They don't communicate with each other. It's the Worst bank I ever had.

Friendly staff, in-house processing, and the full-featured mobile banking app create a convenient and secure banking experience.

I've banked here for pretty much my whole life, and not much has changed during that time, besides the building itself. Interest rates are pretty low. The service is friendly and their online app is highly convenient, but I ended up putting most of my money into a high-interest online savings account to earn greater returns.