Life happens to us once in a lifetime I think the worse thing or situation to go through is a financial one. I am a huge believer of small banking institutions Credit Unions are sometimes the best way to go. But man oh man I've been through a situation that I don't even wish on my worse enemy. Imagine you and you're spouse having all of you're money in one institution and from one minute to the next you're locked out of you're own money because they deemed you're situation as "fraud" this is an ongoing situation where I'm seeking legal counsel. Point is stay with a local credit union not one based out of chicago.