<prompt> Human: Ive been a customer of Wells Fargo for more than 10 years. I am now being charged a 13 dollar monthly service charge for my personal checking account. This is preposterous -- there is no way Im going to pay a bank to use my money paying interest is a different story. I finish school in May and job prospects are good. I will be firing up an IRA, potentially a home mortgage, minor loans, etc in the next several years. Am I doing myself a disservice by abandoning WF?I realize these fees are not unique to WF, and are common in most corporate banks. I am primarily interested in moving my business to my local credit union.  <response>: Am I doing myself a disservice by abandoning WF?No, you are doing yourself a service by abandoning WF.Join a credit union, local bank, or online bank. Obviously do your research on fees and features first, but there are many great financial institutions to choose from that wont charge you arbitrary bullshit fees. 