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<p>[QUOTE=&quot;princeofwaldo, post: 1264021, member: 24091&quot;]I&#039;m not entirely sure of that, --cynical as I may be about banking in general-- I still believe there are some banks that are run better than others. My mother has had all sorts of problems with her bank, its one of those too-big-to-fail institutions, but she is reluctant to switch banks because she has multiple direct deposits set-up and other arrangements that would make it a real hassle. In any case, every time she deals with them they mess something else up, or make a transfer from the wrong account. But still, the hassle of changine banks...</p><p><br /></p><p>That, of course, would not stop me if I were being jerked around. But in any case, my own experience has been that smaller banks, or even medium sized banks with less than a billion in deposits, tend to offer vastly superior customer service. In my own case, while my bank correctly required identification, they had no problem with me using my PO box as the account address, and even of using the PO box for the credit card address (which extends to PayPal) enabling me to keep coins and numismatic literature out of my home mailbox. </p><p><br /></p><p>I do agree with you, however, that new regulations have complicated things tremendously. And I don&#039;t think they are done yet. I suspect rebates on credit cards will be the big casualty of it all before they are finished. In fact I&#039;m shocked they haven&#039;t already jacked-up fees for holding the rebate cards. ...[/QUOTE]</p><p><br /></p>

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