TexasCHLforum.com

I'm surprised that anybody is dumb enough to do business with US Bank, or any of the big banks for that matter, unless you need to borrow $500 million from time to time. Short of that, there are a plethora of community banks around that would love to have your business, where you will be a fish of whatever size in a small pond, where you can have the top guy's phone number and most of the bank employees will know who you are and if there is a problem, it can easily be put right.

Some say they need world wide ATM access. Maybe. Open an account at Charles Schwab, or USAA so you can use an ATM anywhere and they reimburse you for any fee that may be charged.

I won't inflict on the dear readers the litany of horrible experiences I encountered in nearly 40 years of lawyering, in my own affairs and on behalf of clients. "Malevolent incompetence" comes closest to describing it, the short version.