<prompt> Human: I always see threads that are bashing big banks and whatnot, but heres what I would like to know. What are some of the reasons that people should stay with big banks? What can they offer that is better?  <response>: If you keep a high enough balance to avoid fees, and do enough banking to need a wide range of services, big banks can be useful. I use a small local bank and ended up needing to wire money in Euros. While Im imagine someone working at that bank could have done this correctly, the woman I dealt with took forever and messed it up. After I got to pay my 40 fee for them to perform this service, the amount came up short on the other end. Exchange rate fluctuations shouldnt have mattered since the amount wired should have already been in Euros. They were never able to explain what went wrong. Large banks do this sort of thing much, much more and thus are less likely to screw up. 