there's a comment on metafilter addresing this - http://www.metafilter.com/87921/If-Potter-gets-a-hold-of-this-building-and-loan-there-will-never-be-another-dec

there's a comment on metafilter addresing this - http://www.metafilter.com/87921/If-Potter-gets-a-hold-of-this-building-and-loan-there-will-never-be-another-decent-house-built-in-this-town#2883705 http://www.metafilter.com/87921/If-Potter-gets-a-hold-of-thi... Lots of these banks are part of an ATM consortium called SUM, and so you don't really lose out on the main benefit of the big banks. If we can find a SUM ATM (they're everywhere) then there's no fee for using it.