Take a look at this Forbes article. My advice to everyone as articulated in my “Cadence of Finance” presentation is unchanged: ditch the big for-profit banks and do all your banking with a local credit union. I just completed the transition over the summer and could not be happier. Credit unions are smaller, non-profit (actually profits accrue to members), and support local businesses instead of billion dollar bonus pay outs. Don’t be fooled. Don’t get suckered into the Walmart fold. I doubt they, along with American Express, are going to use your deposits to help local small businesses. Credit unions do. Just my two cents…