"We know who you are! Can your current bank say that? We pride ourselves on providing unparalled service to all of our customers. We're looking forward to banking with YOU!" In the small town of Montgomery, Arizona, Kyle Decker's book shop is barely breaking even. When a bank opens in the empty storefront next door, he hopes the new establishment will bring in more foot traffic. Trouble is, nobody has ever heard of The First People's Bank, and the local branch has appeared mysteriously overnight. Their incentives for new customers seem reasonable... at first. But is it a coincidence when Kyle's wife has her identity stolen, and his son receives emails that seem to know his private thoughts? Or when the manager of a competing financial institution dies a gruesome death? Soon, if people in