[trex]

Banks aren't your friends. They will nickel and dime you to death with fees. There was a time that a bank was a place where they borrowed your money and paid you for that privilege with interest. They have somehow convinced people that it is OK to charge them for getting access to their own money. It's your money. If a bank is charging you to get your own money through ATM and other fees, find one that doesn't. If you can't, put it in your mattress. You'll come out ahead.