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Good rates and friendly service.
TwinStar has always been good to me, I've been with them several years now. I have my primary account with them as well as a vehicle loan with a great rate.
Awesome
Helped my friend raise his credit score after he got it messed up by his ex's spending. They are always friendly to me, never had a problem with service. They make opening an account and transfering money easy. They also help with transaction fees, paying back the difference, and their programs are pretty forgiving without seeming like complete pushovers.
Hassle
Charge $20 phone payments. Online accounting is a huge hassle with twinstar.