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How Is this bank different?

Posted on March 3, 2022 by Sarah Reymann

By: R. Patrick Brice (

As the Senior Vice President and head of, I have worked in the banking industry for over 18 years with a specific focus on banking technologies. I’m happy to provide you with interesting and relevant content.

I get a lot of questions about Most questions are about functions and features. I love these types of questions; all I have to do is show and tell. The hardest question I get is “How is different?”

I have tried for a while now to find a quick way to answer this question. What I have come up with is that we are a bank that isn’t “banky”. So what makes a bank “banky”?

“banky” banks have lots of fees!

How many times have you signed up for a “Free Checking” account from a bank only to get nickel and dimed to death by fees? Here are some examples.

Foreign ATM fees. “Banky” banks charge you anytime you use another bank’s ATM. This can be in addition to the Fee that Foreign ATM is charging you. will never charge you an additional fee for using another bank’s ATM. Additionally, we also have a network of over 55,000 ATMs that are totally free.

Non-Sufficient Funds (NSF) fees. NSF fees happen anytime your current balance falls below $0.00. We don’t charge NSF fees because we don’t let you overdraw. If you don’t have sufficient funds we don’t authorize the purchase.

Service Fees. “Banky” banks may charge you a service fee for things like account research, cashier’s checks, and one-time wire transfers and external account aggregation. never charges for leading edge services and great customer service.

“banky” banks spend big advertising dollars!

You can’t watch TV, scan through social media, or even watch an online video without seeing a bank advertisement. Look at those beautiful sports arenas with big bank names. Millions of dollars are spent by “banky” banks to get your business. At we spend nothing on advertisement. Instead, we pay our customers that money to refer their friends to and we continue to pay that “finder’s fee” every month to that customer and their friends while they continue to bank with us and use their debit cards.

at we have fun!

“Banky” banks can be stuffy and don’t have any sense of humor. At we are a happy group of professionals that want to make you just as happy by helping you achieve financial success. We take banking seriously, but we don’t take ourselves too seriously.

If you are looking for something different in banking, you found the right bank.

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