My husband and I have savings and checking accounts with Landmark and we've had nothing but good experiences with their tellers and other employees. When we wanted to open additional new accounts we were helped quickly and all our options were explained to us. Debit cards and books of checks came promptly in the mail. We were allowed to use each other for the referral program when we went from 2 accounts there to 4 accounts there and ended up each getting a $50 Visa reward card. We have a mortgage with them now as well. We asked our seller to give us a $3000 credit towards closing costs and fees - however with Landmark new homeowners closing costs are waived, so we were allowed to use our credit to either buy out of PMI insurance or purchase 'credits' to decrease our interest rate. We opted to purchase credits and ended up with a super 2.8% 30-year fixed mortgage. Payment is easy and can be done through their website when we log in to see our other accounts via Bill Pay.