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I would look for a local Credit Union. They're able to operate under slightly different rules and at least the ones I'm familiar with are governed by a board of locals. I keep most of my liquid assets in one myself.

Would bet Gen. Flynn belongs to a federal credit union he probably joined while stationed someplace in his younger life.

Like many of us, he likely could no pass up the enticing offers from Chase; like interest free cards, or was hooked through the use of Amazon's rewards card.

That's how they got us. I'm cancelling my zero interest card and probably some other products of theirs that I use now.

Big banks have easier access to cheap money - thanks to their lobbyists. Somehow we have to get away from mega banks, corporations, and government.