Living in Georgia, but having TFCU as my bank has been a bit of a hassle over the last 6 years, especially when trying to find an ATM that doesn't charge me a fee or making a deposit (which I had to do by mail). TowerFederalCreditUnion solves both those problems, with the ATM locator and the recently added remote deposits. Overall, TowerFederalCreditUnion works well. I can check my balances and make transfers between accounts (including making payments on my auto loan) easily. The only drawbacks I've found are that you can't pay bills through TowerFederalCreditUnion and the remote deposit function could be a little easier to use. Definitely worth having, though, if, like me, you live 100s of miles from the nearest TFCU branch.