Yeah it's been a ride.

I moved to One Financial, but I've kept a local credit union account as well. This probably makes no sense, but then again it's ok to feel conservative about banking.

It's worked out for me so far. The local credit union is one block away. I have not used it but there are no fees to just park money in a checking account.

I still don't know what happpens to such retail banking as interest rates go negative.