I'm hanging at a party in my neighborhood recently and everyone, that is 100% of my neighbors, have a story about being ripped-off by a bank. Everyone had a story that was less than 5 years old, too. Mine was J.P. Morgan Chase, shortly after they acquired me as a WaMu customer: They rearranged the chronology of 2 small checks and 1 big check so they could bounce all three at $35 a whack. I made an ATM deposit on a weekend, and I thought I might bounce the big one. I was relegated in my mind to paying the fee if I did, but it was obvious that they held the two little ones and purposely ran the big one first. Accounts Closed. Adding insult to injury, they send me direct mail 4 days in 7 trying to get me back. I LOVE running those unopened envelopes through the shredder, but I cry for the trees killed for their paper.