They make their money by investing mine. In return, they provide me a safe place for my cash and financial services. Fair deal. I’m OK with that.

Having said that, fuck banks for private individuals. Go credit union, all the way. And while we’re at it, call your bank and tell them you don’t want overdraft protection. They have to turn off the NSF fees, and that’s not my opinion and it’s not negotiable. It’s law in the US.