I'm not saying the I'm a professional banker or anything, therefore, possibly lacking all the facts, but I've got go with Rick on this one. Rick, you may want to check to be sure that doesn't automatically constitute a visit to hell for you. If it does, I'll go on the record as disagreeing with you for your sake, buddy.
I've always been a bit leary when it come to banks. Something I guess I picked up growing up in the time I did. I still remember the issues we had when I was a child concerning BoA, etc. - government bailing them out, etc. and learning just what the bank does and weighing the options concerning using a bank. Guess I like to keep my money in my own pocket, so to speak.
Again, Rick has a point in that you are almost forced to use the bank. Even in this day and age, I've gone for years without the use of a bank. At all. It is not always easy, but there are quite a few things that make up for it.
I currently am not using a bank, now either. Thanks to Chases fuck up having used my SS# for someone else, I have alot of work now to clear my shit up so I can even be me again and have an account, etc. Long story.