Without reading the entire post(commercial,I’m guessing you spent some of those 20 years perhaps working at a credit union) I will say I started out with a well known credit union,because that’s where one of my parents kept their money. Well I had to move my money else where because they weren’t paying enough in interest. I still have that account open and if they ever decide to pay decent interest I would be happy to move my money back. Truth is you really do have to shop around. My most recent account opened was with US Bank and I like the people they have working for them at my local branch. Honestly most of my money is with what used to be WAMU, I’m not sure if I like Chase to me they resemble a little too closely a bank that sounds like an old stage coach. Anyway just thought I’d counter the original posting, I know financial institutions are a business and just because they are bigger or more efficient does not necessarily mean they are going to share that wealth with you the customer.P.S>Anybody know who pays the best interest right now?