I've never had any real issues with Bellco. Had a car loan through them that we paid off last year, no issues. On the new vehicle that we financed last year, the dealer was able to get financing at a better rate than Bellco could, so I'm not enamored with them. Their operation seems to be pretty much a 'mom & pop' type of banking institution with less than stellar customer service. I've pretty much stopped using their Visa for our Chase Visa that gives us cash back, 24/7 customer service, and works with Samsung Pay.