I currently bank @ 3 major banks and 1 credit union. By far the major banks are changing their terms the most, like every 2-3 months, I realize a lot of this is legal mumbo jumbo as I will leave any of them in a heart beat if they piss me off. I like US Bank the most of the big 3. I already closed a Chase credit card when they unilaterally without cause raised rates on me. Balance paid off now they aren’t making any money off me.P.S.- I did get them to change the rate back after 3 phone calls and talking to a supervisor/manager. I think it’s a crime that BofA took bailout,gets money practically free (.25%) and then turns around and has the gall to charge some people interest around 29%. I will be drinking champagne the day BofA goes bankrupt.