Union Bank

Not a horrible bank, but nothing positive to say at all. They have the same «we’re in charge, go stand in line» attitude you get from large banks.
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Phone support is pretty horrible, same as BofA and the other megabanks. In-​person it was just as unfriendly. They started charging $ 10/​month fee on a (previously free) low-​usage account without us noticing. When I went in to ask about it there was no, «Sorry you didn’t see the notice» (went into my spam folder), but instead they said, «It’s your responsibility to read the emails, not our fault you lost 30% of the money in the account due to the fees for not using it.» On a once-​free account? Really?
The San Carlos branch fired their friendly guard, replaced him with a metal/​glass contraption that only lets you enter after lights turn green. Seems like visiting someone in Prison… very depressing. Their comment when I said I missed the guard? «This is for your security.» Yeah right, it’s so they can make a few more bucks.
We’ve had checking with these people for years, and that’s about to change. They’ve got a ton of our money and don’t pay us a penny in interest. We’re outta here…

We’ve been banking with UBOC since 2005. The mister and I wanted a bank that would rent us a safe deposit box big enough to hold a CD with our wedding pictures on it. Not exactly an outrageous demand… so we thought. Hah! But UBOC came through for us.
With direct deposit or a minimum balance, our checking accounts are free. It’s easy to set up online transfers with other banks or credit unions. Their employees are friendly and helpful. I do wish they had more ATMs around though.