<prompt> Human: Starting a new job with matching funds in a new part of the country.I dont have an IRA as of now.I have local banks as an option and a Wells Fargo nearby.Ive heard really bad things about Wells Fargo, but I know theyd be around if I chose to change jobs and move again.On the other hand, the little local banks will probably not screw me around.Do I bank with the devil that will accompany me? Or do I bank local and hope that I love love love this job.  <response>: You shouldnt use any standard bank for an IRA. Their offerings for fundsfees are generally going to be terrible compared to the top brokerage firms. Banks usually offer savings accountCD IRAs e.g. not invested in the market, just earning a tiny amount of interest, or a few high cost funds.Go with Vanguard, Fidelity or Schwab. They all offer quality index funds with low expense ratios and no trading fees when using their own funds. 