This bank provides excellent service to its clients, with nearly all reviewers praising the staff for being friendly, helpful, and knowledgeable. Sarah, Scot, and Megan are particularly mentioned as being exceptional in their service. The bank's Ocala branch is clean and comfortable, making it a pleasant place to conduct banking business. However, there is one major issue that is consistently mentioned across reviews: the bank's handling of overdrafts and fees. Several reviewers have experienced frustration with being charged fees for overdrafts, even when it was not their fault. The bank's policy on overdrafts is not clearly communicated to clients, leading to confusion and frustration. To improve, the bank could consider revising its overdraft policy to be more client-friendly and transparent.