If you\\\\re tired of excessive bank fees, there is a bank I recommend to you if you live on the Westcoast. It\\\\s called Union Bank. The bank has such personalize services, shorter lines, & great rates and programs for affluent and economically challenged individuals. The banker that single-handedly got me to switch is located in Los Angeles in the Santa Monica area, and his name is Alfonse Anderson. He can be reached at 310-453-5397. He is a very professional and personable guy. My husband and I are glad we made the change! Give him a call!