FCB falls short in many areas from excessive Fees to neglecting the competent employees that helped build those 'Community' Branches. FCB has literally buried customers in debt when they were already struggling financially with their continuous OD Fees. If it wasn't a Bank error, don't help the customer by reversing any fees. Instead of paying a competitive wage to keep competent, knowledgeable employees, let them leave and waste thousands of dollars trying to hire new staff and training them. The Teller system/process is outdated. Employees waste more time correcting errors instead of helping customers. The overlap of Tellers and Bankers work for some people but it is okay to separate the roles and surprisingly it works well.