My review is focused with their customer service staff. I have been a client for almost a year and each time I call them, I always get good customer experience.
I wouldn't touch these guys with a 10 foot pole. They once held up a wire transfer of less than $1000 and wanted all kinds of documentation to put the wire through. Ultimately they rejected the wire and sent it back because it wasn't from a "licensed" sender. That is just plain bureaucratic stupidity.
I thought offshore banking will be difficult but heritage bank made it so easy. I really liked the features of their demand deposit account.