Also, banks are godawful if you aren't making a large amount of money... mine takes $15 every month from my account, just because I have the audacity to not be employed or have any other income...

For years they didn't, but they "streamlined" their services at the beginning of this year and forced everybody using their old account types into their new money-sucking accounts. x.x;;;; They've probably stolen at least $100 from me this way...