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<p>[QUOTE=&quot;gboulton, post: 1024285, member: 27043&quot;]Meh...it&#039;s not about how much money you have..it&#039;s about shopping around for banks like you would anything else.</p><p><br /></p><p>Largely, I find local banks more beneficial to deal with than large chains, for many reasons.&nbsp; The trick seems to be dealing with actual people and not carbon based policy-readers.&nbsp; You can haggle or negotiate a bank account just like you can anything else, gang...especially in this economy.&nbsp; All it takes is the CHANCE to do so...in other worse, real people.</p><p><br /></p><p>I&#039;ve got an account at one bank I use for roll searching.&nbsp; The balance never approaches $5000 (frequently being below $1000).&nbsp; The account is free, it pulls down better interest than most 401k&#039;s right now, and they order boxes of BWR coins for me on request.&nbsp; All it took was ASKING.</p><p><br /></p><p>My wife and I maintain a separate account for bill paying.&nbsp; It drains to nearly $0 every pay period, being refilled only for paying monthly bills.&nbsp; Its cost?&nbsp; $0 a month, $0 per transaction, free online bill pay.&nbsp; The branch managers of 2 of the 3 local branches will call me any time CWR of halves come in.</p><p><br /></p><p>Of course, it&#039;s not ALL local.&nbsp; You too can laugh at people who deal with the credit card devils for the fantastic cash back!&nbsp; Can&#039;t do THAT with a debit card they claim!&nbsp; Wanna bet?&nbsp; Go hit up <a href="http://www.perkstreet.com/" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.perkstreet.com/" rel="nofollow">Perkstreet Financial</a>&nbsp; I&#039;ve even heard rumors that yet another of my local banks will be offering this same feature...better believe I&#039;m keeping my eyes and ears open for that.</p><p><br /></p><p>You know what, guys?&nbsp; You&#039;re RIGHT...banks (especially the larger, impersonal &quot;chains&quot;) ABSOLUTELY make money charging ridiculous fees for mundane &quot;services&quot; and taking money out of your pocket simply because they CAN.</p><p><br /></p><p>So...hit them in the only place you possibly can that hurts them....withdraw your custom.</p><p><br /></p><p>Yes...it takes a little time and effort to search for a quality financial institution.&nbsp; And sometimes, god forbid, you actually have to get out of the house and go TRANSACT BUSINESS with them.&nbsp; *gasp*</p><p><br /></p><p>You&#039;ll get over it.</p><p><br /></p><p>Or, optionally, you&#039;ll keep paying ridiculous fees for &quot;service&quot; you don&#039;t use or need, and you&#039;ll whine about on some internet forum.[/QUOTE]</p><p><br /></p>

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