We like the free cashier's checks and wires, the CPC debit card and (until recently) the safe deposit box. Our local branch is relocating and they told us to come in and get our stuff. When I went to return the key/check the box, they told me they are doing away with the boxes in all new locations. So basically there is very little value. The first year we opened a brokerage account with our dedicated banker/broker but the returns were less than stellar so we moved everything to Vanguard and have done much better.