Are we becoming conditioned to not have any interaction with our bankers as our bankers apparently don’t want to have direct contact with common Americans? Those who do not use electronic banking due to security and access issues whereby the lack of convenience and time savings electronic banking touts are replaced dealing with security codes, reviewing reports to monitor how many fees were charged and how much money was misallocated and frankly I am way ahead of the game with much more time to myself not being “electronically efficient”. This writer believes that our banking system has become the antithesis of responsible cash management and is a dangerous depository choice as they gradually remove any human contact between us and our money so that if or when they want to totally take over our finances, all it requires is the flick of a switch and no one will be able to access our money. If you fear a government being in control of your money well you should be aware they already are and if you are in debt to them, all they have to do when they want to capture all of your assets, they can impose a national crisis restricting access to your money and once you default on your mortgages, car and credit card bills they can declare your assets their assets and kick you to the curb. Is this the risk you want to place upon your family? If not, it might be good to reject the convenience of automated banking and save yourself the money they collect from you for those automated conveniences. You might want to also move your accounts to locally owned community banks where you are a person and not just a faceless account number.