[tomakaze]

re:Sounds to me as though the poster wants the best of both worlds.
 
Nothing so sinister, It's a simple checking/savings account.
I went with a credit union a few years ago specificly to avoid alot of the fed reporting crap/regulation the banks do. (fed disclosure on withdrawls over 2500, etc - or so I thought at the time.)
that and it's a local almost mom & pop credit union and I know most of the folks there on a first name basis.

[TexasCajun]

Welcome to the club!

I got one of these a month ago from Chase Bank here in Houston.
I emailed them back and said exactly that- WFT! it's my money! ...and you know how much good that did.