In recent years many money center banks have introduced an array of costly fees for small depositors. At the same time, returns on deposits have declined below the rate of inflation, while interest rates on credit cards have lurched through the ceiling. No wonder these guys are making big bonuses! Its pretty shrewd business-- let the consumer beware. For those inclined to be a bit peeved by this situation, there is a grass-roots remedy. A little investigation is likely to uncover lower fees and higher returns for depositors at a small bank or credit union. I would encourage everyone to explore this option, and share this suggestion with your friends. If this notion "goes viral" it will certainly get the attention of large banks and perhaps reintroduce the notion of customer service to an industry where large players currently seem to run principally on hubris. Google moveyourmoney, or check out the attached web site for information that may help with informed money management decisions for small investors: www.moveyourmoney.info Its a great way to both send a message and improve financial returns! Good luck!