Assuming that your financial institution isn't crucial or that all banks are created equal is a huge oversight, and one that could cost you time and, more importantly, money.
If you're thinking of switching banks, you probably have plenty of good reasons, far beyond an angry bank teller, poor customer service or hard feelings about that bogus and now broken toaster you received when you opened that checking account.
These issues you're having aren't about hurt feelings or a lack of smiles when you arrive at the bank, but rather the notion that you're losing money thanks to a place that is supposed to help you save it.
Easily the largest and most discernible and disheartening red flag when it comes to banks and how it pertains to you losing money in the form of two easily fixable fees: overdraft fees and having to hold a minimum balance on your checking or savings accounts.
Overdraft fees can range from $25 to $50 every time you withdraw more money than you have on hand. It's hard not to blame yourself for not managing your money a little closer, but even a few overdraft fees could cost you hundreds each year.
If your bank doesn't have some sort of free overdraft protection plan in place for you, then it's time to say so long. Most banks on the cusp of competent customer service make it a point to tell customers how to avoid overdraft fees. Only the archaic institutions still try to sneak those fees past you.
The same can be said for the minimum balance needed to maintain accounts. The idea that you get charged if you have less than a certain amount is ludicrous, and there are plenty of banks interested in getting your business that won't set those parameters on you. What most banks do in lieu of a minimum balance is set certain rules that pertain to a particular account, such as telling you there are no fees as long as you set up direct deposit, as an example.
That's certainly not asking too much.
Nor is it too much to ask if your bank doesn't allow you to enjoy online banking minus all the ridiculous rules, such as putting a number of limits on how many transfers you can complete within a 30 day period. It's your money, so moving it around between accounts shouldn't be held against you.
If it is, then your bank needs to know that you're not happy and aren't afraid to shop around for a better option.