Note the following: Both banks are clearing the exact same set of checks and deposits. Note that the consumer ends up $80 poorer under the process used by the TBTF institutions. Also note that because the consumer friendly banks use the lowest to highest check amounts, if the deposit made in the morning had only been $150, the consumer would have only had one "insufficient fund" fee at the consumer friendly bank instead of the four fees imposed by the TBTF.
There may be many good reasons to switch. But don't do it for spite. Do it only if it makes economic sense for you, personally, and that you end up with real economic benefit.
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