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>>I bank with Wells Fargo, and have considered pulling out from them.
>I do too, for the same reasons- plus the branch is so close that I can walk there.
>Here in Hamilton, there are really no other good choices available or I'd have switched.

That's exactly the problem - no good choices.

In the mid-1980's, I had an account with a credit union (yes, you actually heard me say the word 'union')

I wound up closing it in 1990 - and I have come to regret the decision big time.