only challenge i've had is they have very few locations. in addition, they charge for atm fees on top of any fee other establishments apply.
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My ex husband stole a check book and forged my signature on some of the checks and did not even bother to sign the others. This was at the Center Tx location. I pressed charges and he finally went to jail for it. He is currently on felony probation for this also. When I went to speak to the bank manager because they continously have this on my credit report causing me an issue on getting a bank account his response was, "Mickey Mouse could have signed the check and it would have gone through". This has been about five years ago and still no resolution for me.