<prompt> Human: OK, let me start off by saying I have extremely limited financial knowledge. I am in my early 20s and have heard here and there about how corrupt banks are, such as wells fargo. However, I have an account with them. They have my checking account and savings account. Is this bad to do? Should I not put my money in any banks? Im just confused about the whole thing.  <response>: Anyone who says not to use a bank you should treat the same way as people who say you can cure cancer with essential oils. 