I really enjoy when I have to visit the Geelong branch. Unlike some of the banks around town they definitely live up to the community based spirit. You feel like you are not just a number in a queue and with many staff actually remembering my name. The always explain my queries in a clear and simple manner. Even when I had many repeat fee's in one week putting my account into negative they actually did the nice thing and refunded the fees. I couldn't see any of the big 4 banks doing that in a hurry.