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My bank suggestion is this: Don't have all your accounts or all your money in any one place at any one time. If you have three banks in your area, get accounts at each one. Share your money around, so that even if one of them blows you out or becomes a pain in the ass, you are 66% covered.
Getting a credit card from a second bank is also a good idea.
For companies, have at least two bank accounts, and alternate your deposts between then to avoid hassles. Keeps your cashflow as "cash" rather than "locked" if something goes to shit.
Alex
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