[Porsche-O-Phile]

Banks (and bankers) suck. Join a credit union - they're at least tolerable. I have a credit union I've been a member with for probably close to 20 years now and they've always at least treated me like a human being. Each and every one of the banks I've dealt with here in CA (including B of A, Union, W. Mutual, and US Bank) have in some way pissed me off to the point where I've closed up and walked out, never to return again. Be it unnecessary fees, unreasonable terms, inconvenience, humiliation, whatever - you can keep 'em.

I probably have among the most uncommon financial beliefs / goals of people out there, but being as objective as I can, I think the credit unions are the way to go. Banks don't give a flying f*ck about you, your needs, your goals, or whatever. They only care about getting their fat grubby little fingers on your wallet. AVOID.