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I never "bank" with large national banks. Its one thing to have money in a deposit account at one of them and its another thing to "bank" with them. To say that you are just a number to them is drastically understating it. Small to mid size regionals with local ownership are the only way to go. Big ones will charge you a fee for everything they can and dictate terms to you whereas smaller ones are more appreciative of the business. Local decision making is extremely important to me.
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