You are just making my point more. Not only are you missing a bunch of other things that would need to be done (What about my HSA? What about all my other recur

You are just making my point more. Not only are you missing a bunch of other things that would need to be done (What about my HSA? What about all my other recurring payments not setup through the bank? What about my direct deposits?), it would take a substantial amount of time to take care of that. Why would I want to waste a day doing all that crap? I would definitely forget some things too. Yes, it's possible, but it's a pain in the ass. I should be able to export my entire account from Bank A and login to Bank B and import it in a matter of minutes. They know that it is difficult, that's why they are doing these fee raises and getting away with it.