Now you can agree or disagree with how the government handled the financial crisis, but the big banks basically did nothing to help the situation, actually in some cases made things worse. I won't get into the details, but basically I'm not happy with them. In a nutshell, they are still paying huge bonuses, increasing interest rates on consumers and basically still acting like they are the king of the world.
But what can you do? Basically stop using them.
If you're with one of the big six banks, JP Morgan/Chase, Citi, Wells Fargo, Bank of America, Morgan Stanley, and Goldman Sachs. (I'm a WaMu to Chase refugee) If you are able and want to, stop using them and find an alternative.
Go to http://moveyourmoney.info/ and try to find a local, community bank that fits your needs. Local banks will more likely lend to small businesses and invest in the community.
Unfortunately, I wasn't able to find a local bank to fit my needs, but I did find a national one that did. Bank of the West offers free use of any ATM (charges reimbursed) and offers $100 for signing up. (Also they added free checks and 6 month 0% APR credit card). Not exactly a community bank, but not one of the big six listed above. Also there's a branch close to me, when I need to deal with the bank directly.
Other online banks that I researched that also has free use of almost any ATM are ING Direct, Schwab, E*Trade Bank, Fremont Bank (too bad I don't live in Fremont anymore). Obviously your mileage, situation and requirements will vary.
But if you're not happy with your bank or am curious to see what other banks can offer you, go take a look. This is capitalism at it's finest, find something that works better, faster, cheaper then what you currently have.
And here's just a snippet of articles regarding the big banks:
- NY Attorney General hits Bank Of America With Fraud Charges
- Chase Denied Loan Mods for Now Forbidden Reason—Homeowners in Limbo
- "Debtors' Revolt" w/ Bank of America
- Bonus Tops $8 Million for Chief at Morgan
- Transaction Fee On Haiti Donation Leads College Student To Create Anti-Wachovia Facebook Page - Wachovia now owned by Wells Fargo.