The best thing to do is get away from the Mega Banks. they have the polititions in they're back pockets. They spend millions of dollars lobbying Washington. They have passed laws in the favor of Bankers to where they can literaly screw you and you can't do anything about it. They no longer have a "Feduciary Agreement" with you. This means that they can legaly put they're interests ahead of yours. The best thing to do is find a small start up bank that actually NEEDS your business.
This is CABL.com posting #195483. Tiny Link: cabl.co/mY07