Coming from rural living, I was a little apprehensive about huge bank chains. I have been pleasantly surprised by Bremer. In a situation where my checkbook may have been stolen (got it back later), they immediately closed that account, opened a new one and sent me new checks and bank card all at no charge. They basically told me something like "When it comes to a possible fraudulent situation, we don't mess around" It was completely hassel free. The were competent and I felt taken care of. They have decent hours and are friendly. Checks deposited are usually available either the same day or the next- really not much lag time there. Overall, I'm happy with them.