> I'm going to say something terrifying, and it should cause you terror indeed: Most people don't shop banks. I work for a bank, and I want to confirm this. Ba

> I'm going to say something terrifying, and it should cause you terror indeed: Most people don't shop banks. I work for a bank, and I want to confirm this. Banking relationships are astoundingly "sticky". The bank that I work for tries hard to compete by offering better products and treating customers fairly, but it is difficult because customers so rarely move to a new bank. Seriously, folks: if you are unhappy with your bank OR IF YOU ARE HAPPY WITH IT, go ahead and look at the offerings from some of their competitors. You might find that someone else offers better rates, lower fees (or no fees), or treats you more fairly. And if you happen to bank where I work, please do the same thing... if our competitors are treating the customers better then I WANT to lose customers (what else will pressure us to keep our standards high?).