<prompt> Human: Would like to gain insight before making a big decision like this  <response>: If you are paying more in fees than earning in interest, its time to bank elsewhere. If you have paid any bullshit surprise fees in the last 2 years, its time to bank elsewhere. If your bank has made any egregious mistakes in the last 2 years, its time bank elsewhere. If your bank has made the news for rampant identity theft in the last 2 years, its time to bank elsewhere. 