Sky
I don't know the area you live in or your circumstances but when, not if, Things turn around and you have some substantial money to deal with you will be glad you found a bank you have a long relationship with.
Many years ago I was a 14yr old paper boy that started a savings account with a bank that I still do buisness with. Good banks do exist and it sounds like you need to really search to find the one for you.
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