Bank of the Sierra

I've been banking with them since April of this year and so far they have been awesome. I've had issues setting up my online account but I was able to go into the bank itself and get it fixed so I'm a happy banker.

This bank has a scam worked out with Paypal. The majority of their profits come from overdraft fees. Paypal conveniently routes your money in the wrong direction and banks like this profit from it. "Primary" account within Paypal is not defined as the account to be billed first through transactions. Autopay transactions will be routed to whatever account you set up when you set up autopay. Nobody would suspect that switching your Primary account wouldn't switch your primary payment with your autopay subscriptions. It's all in the fine print. They make their money by deceiving their customers.