Banks....

Let's be real. Banks are not on any one's side but their own. Your money nor my money is safe in a bank, but we need to have a bank account to function in American society. It sucks, but that's life.

Fact: banks make more money off extra fees than anything else. 
Fact: banks take to long to give people their money back. 
Fact: banks are counting on your overdraft fees and the fact that most people don't actually read their agreements with the bank. 

I fell victim to this with Wells Fargo. I was in college and needed a bank account. I went with Wells Fargo because that's what my roommate had at that time. I went to sign up for a college account and the lady helped me do that. A few months later I noticed some fees on my account. I went in and talked to a teller about it. He told me that I did not have a college account, but a regular one and that cost $10 per a month. I was shocked. That woman smiled in face and lied to me just to meet her monthly quota. After that I kept my membership with Wells Fargo.

A year later I was a victim of  a scam. I figured it out went into the bank and showed them all the paper work and they said everything should be fine. They knew I got scammed. The next day they told me that I could no longer be a member of their bank and I should go elsewhere as soon as possible. I did, but after that I told my story to everyone I knew. I am now at Bank of America and haven't had any issues yet. I understand what I need to do to keep my account in good standing. If there is anything you should learn about banks, it's that you should really do your homework. Figure out what the purpose of a bank is and check out customer and employee reviews.  Know what kind of account you really need. If you aren't saving, then you don't need a savings account. Always have a plan A, B, and C. This economy is not the greatest right now and everyone wants money, especially banks.

Hopefully, this has been helpful to someone. I wish I knew this stuff before. I'm glad I know now.