I have had all the issues you can imagine with my account--divorce, ex stole my card, stranger stole my card, unauthorized debits from a place where I had taken out a loan, online retailer charging for an item I never received. Wood forest has been super efficient and easy to work with which each concern/problem and I ALWAYS had my funds returned within 1 business day. What other bank can say that? After opening the second chance checking and not bouncing any checks or overdrafts for a year, they automatically converted me to the standard checking which has no fee. Mobile banking app is 5 stars! Mobile deposits sometimes have to be sent twice to get them to be accepted. My only gripe is when I would use my card to buy a drink out of a machine, my card always got shut off and I had to call to get it turned back on. They said it was because there's a lot of fraud associated with vending machines that take cards and people can steal your card number off of these machines.
There used to be a branch in every Walmart when i lived in Austin, but now living in Fort Worth the branches are harder to come by.