The illusion here is that it ever was different. A new bank, a small bank, a new office in your location with strong competition, that's the short term situatio

The illusion here is that it ever was different. A new bank, a small bank, a new office in your location with strong competition, that's the short term situations where you get real service. A well established bank won't even try to hide that they are just screwing you, because it costs too big a share of the money they screw out of you. A few months (or maybe years?) ago here on HN I read a nice small article about that you always get screwed, not just with banks. Everywhere! The question is how, how much, and what for. Try to get screwed for a good reason, and if not possible at least for the smallest possible amount. Not in the article but my experience so far: Try not get mad at the getting screwed part because it can't be avoided. And try not to imagine a fantasy world in which the screwing never happened before.