The intent is clear. The damage is done. Look up your local credit union. Most have the same online bill pay/account access the big boys have, co-op w/global ATM networks w/larger footprints than them, & actually work to earn your business. Banks lend our dollars at a 10:1 ratios. We should not be the one’s paying for the privilege of granting big banks great lending power, particularly when many of them refuse to lend back to us. Take back your dollars. The era of big bank arrogance must end.