I've had WoodForest National for 2yrs now and its been a okay experince. I switched from Bank of America and its been a okay experience i got a 2nd chance checking account and now i havea regular checking account. They offer alot of financial services but most of their banks in my area dont really offer alot of customer service in house like others. With car loan application and pretty much everything esle get sent onlnie to Texas (HQ) and take 1-7 business days to get results back. Crazy i know. But they do hae great hours and are open 7 days a week and some holidays cant say that about other banks. But they do have good customer service at branchs very helpful. I will continue to bank with them for some time now.