You don't need to use commercial banks like Wells Fargo. You can always go to a credit union. Your accounts are insured, just as they are in a commercial bank. Your credit union account makes you one of its owners. Members, elected by the membership, make up the Board of Directors. A credit union's CEO is accountable to members, not shareholders. Credit unions offer a full array of services, like credit cards, money markets and CDs with rates that compare very favorably to commercial banks. Credit unions' investment holdings, expenses and finances are completely open to membership review. In the interest of full disclosure, I am a credit union member and a volunteer on my credit union's supervisory committee, responsible for assuring that it complies with federal and state regulations. Like the rest of our volunteer directorate, I take my responsibilities very seriously. I invite you to check out a local credit union. You'll like what you see.