Posted this in a different comment , but Phreak ! He might be a little dry if you ' re looking for QTsneaky style entertainment , but for sheer volume of info and game analysis , it ' s worth a look ! <| sep |> What I am saying is , there are many ways to use a bank and avoid fees completely . Do you know the most profitable instrument to a bank account is ? Mortgages and Credit Card feesinterest . In many cases , PDA ' s personal deposit accounts are loss leaders for banks . They are viewed as anchors that lead to further share of wallet for more profitable products . I . e . Mortgages , loans . Unless you keep hundreds of thousands in a chequing account , there aren ' t many guys getting rich off it . <| sep |> Who the fuck are you talking about ?