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Try a credit union. DO NOT use Washington Mutual, you want to talk about fees and changes and swaps and incompetence? WOW I had a horrible experience with Wamu, and so have dozens of others I talk to. My mother in law got over 10k in savings frozen because it was a "suspicious amount" or some BS, because her parents gave her a gift allowance. They wouldn't release it until she proved it was hers or some crap. Insane.
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