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by quintushoratius 2060 days ago
Not OP, but -

It doesn't have to be an either/or proposition.

* I keep my savings, checking, and loan accounts at a local bank, which also issues a debit card.

* I have credit cards from Discover and BoA, so that I get big-bank services for them.

The bulk of my value as a customer is tied to my mortgage, so my local bank, and possibly Fannie Mae, holds onto those profits.