Large national banks, Wells Fargo, Bank of America, Citi, Chase, et al are not your friend. It's time to dump them and put your faith in credit unions and local banks. Don't be fooled by their TV and Radio ads, what's in your wallet is what they covet. Now, when there profits are low because they F'd up on home loans, they are really hungry for your money. Read the 20 pages of ultra-fine print before you sign anything, and compare what the big guys offer with what you can get from a local bank/credit union and bankers who lives in your commnunity.