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I cannot for the life of me understand why otherwise sensible people insist on doing business with the huge banks, unless of course, they have a regular need to borrow $500 million or so. For everyone else, the big banks are a bad deal.

They are hard to deal with, don't know you from Adam, their fees are exorbitant, inflexible and it is impossible to get a branch manager on the telephone. Of course, some folks don't minding holding while waiting for some gun snapping barely literate person gets on the phone from a phone bank in Pacoima or someplace, Calcutta, maybe.

I can't type out out all the problems I have encountered on behalf of folks dealing with one of the huge banks.

Why not ride that stage coach right out of town and put your business with a local community bank or credit union, be a big fish in a small pond, or at least not a tiny one in an ocean.

Banks like USAA or Charles Schwab have ZERO service charges that I have encountered, they reimburse you for any ATM charges you incur monthly, and the service has been impeccable, for me anyway.

I bet there is at least one small financial institution in your area that would love to have you as a customer, treat you like another human being, love to have you as a customer.

Big banks are bad for you, and your money.