Opened an account with them in 2011 to try them out. Overall, not extremely pleased, but no…read morecatastrophes like IndyMac bank... Pros: -Excellent website (when its working right) that provides account statistics, bill payment, e-statements, etc... -Friendly staff -Local business -$20 one-time membership fee, as opposed to monthly fees for low checking balances like all the big banks Cons: -Colville location always seems to be understaffed. -They have a 9-day (!) hold period on a newly opened account, which is ridiculous in this day and age (other banks are 3 days or less). -It took them about 2 weeks to get my ATM card to me, then another week to get my randomly assigned PIN # mailed. They charge $5 to let you choose your own PIN (free with other banks) -THEY DON'T HAVE TELEPHONE CUSTOMER SERVICE ON WEEKENDS! Sorry, but business still occurs on those days Horizon

So far so good, I was able to do everything online. Took a little time but I was in no hurry. I…read morehave a lot of transfers of money and they do not charge for this, other banks charge $15-20 for each transfer. It was $20 to open an account which was a little different but everyone needs to make money. I got my debit card within 15 days and I don't believe I paid a fee to chose my own pin. Everyone has been very polite and helpful when I had to log in to my online account. Been about a month and happy so far.

Every time I reached out to James Davis, he was assisted me. Once I had to text him at 10:00 pm…read moreafter someone re-ended my new car. He text me the coverage in just minutes. Last week I was at a dealership getting a car. He had proof of insure faxed to the dealer within 10 minutes. If you want an agent that will be there when you need him, try James Davis! You will not be disappointed. Michael L and Glen R Coeur d Alene, ID

Jim always has my best interest in mind. Not his.read more