Tuesday, September 30, 2014
Top Entrepreneur News

Tue, 30 Sep 2014 23:00:00 -0500

It’s time to ask yourself this question, Does my team have the right tools for selling?

Tue, 30 Sep 2014 22:30:00 -0500

Seeking capital for your startup? Here's what to inquire of a potential fundraiser.

Tue, 30 Sep 2014 22:00:00 -0500

Entrepreneurs should invite public opinion when the timing is right -- without handing over the reins.

Tue, 30 Sep 2014 21:56:00 -0500

Not getting enough sleep? Sleep on these three eye-opening TED Talks about shuteye and discover the secrets to sleeping your way to the top (literally).

Tue, 30 Sep 2014 21:45:00 -0500

Don't venture into business with just a one-man army.

Tue, 30 Sep 2014 21:20:00 -0500

In collaboration with The Weinstein Company, the streaming giant will debut a sequel to the Oscar-winning 'Crouching Tiger, Hidden Dragon' next August.

Tue, 30 Sep 2014 21:17:00 -0500

The fledgling social network was one of the most talked-about items last week. Here's why.

Tue, 30 Sep 2014 21:00:00 -0500

Research reveals job turnover is immensely costly and people are more likely to quit over general dissatisfaction than pay.

Tue, 30 Sep 2014 20:30:00 -0500

From the thrill seekers to the onlookers, entrepreneurs need to pay attention to the different types of people looking to join their team. Here are three types to focus on.

Tue, 30 Sep 2014 20:20:00 -0500

The new operating system will work on a broad range of devices including phones, tablets and PCs.

Tue, 30 Sep 2014 20:15:00 -0500

Does business take you away from home often? Navigate the tumult of constant life in transit in comfort.

Tue, 30 Sep 2014 20:00:00 -0500

I was inspired to get more involved in the world at large. You should do the same.

Tue, 30 Sep 2014 19:19:00 -0500

It's oh-so-tempting to hit that magical button and doze off for another few minutes, but every time you give in, you're making the wake-up process more difficult.

Tue, 30 Sep 2014 19:15:00 -0500

Changes are afoot as the tech giant searches for the right note in the online music business.

Tue, 30 Sep 2014 19:09:16 -0500

Say hello to the Apple Watch and iPhone 6. Say goodbye to the products that have been retired.

Tue, 30 Sep 2014 19:00:00 -0500

Your Google AdWords campaigns won't work if you don't have a strong USP. Here's how to create one.

Tue, 30 Sep 2014 18:55:00 -0500

Explore alternate networks and perhaps your marketing posts will create a bigger splash.

Tue, 30 Sep 2014 18:30:00 -0500

Before you get started, learn about these five regulatory and practical requirements of starting and running a freight brokerage.

Tue, 30 Sep 2014 18:15:00 -0500

You’re much more likely to reach out to others about your latest idea or effectively pitch a new client if you feel self-assured.

Tue, 30 Sep 2014 18:00:00 -0500

Research has shown that some stress is good for us. Too much stress, however, can have serious psychological and physiological repercussions.

Tue, 30 Sep 2014 17:30:00 -0500

Building a team doesn't come naturally, yet we humans accomplish little working alone.

Tue, 30 Sep 2014 17:00:00 -0500

The smartwatch company is taking several steps to make its devices more accessible to more people.

Tue, 30 Sep 2014 16:33:00 -0500

Franchisors and franchisees are divided over the veto of a California bill that would make it more difficult to terminate franchise agreements.

Tue, 30 Sep 2014 16:30:00 -0500

When every move your company makes can be easily amplified to thousands over the social web, you need to make every interaction with your customers exceptional. Here are a few secrets on creating a rock-star customer-service team.

Tue, 30 Sep 2014 16:22:00 -0500

Universal Music Group will place ads in music videos that have already been filmed. By year's end, the ads are expected to adjust depending on a viewer's demographic and location.

Tue, 30 Sep 2014 16:20:00 -0500

Newfound stock options and a self-governing stance could portend an acquisition or hiring spree.

Tue, 30 Sep 2014 16:05:00 -0500

Even as it pivots to focus more on software and services, the company that gained fame for its smartphones is not giving up on its handset business -- yet.

Tue, 30 Sep 2014 16:00:00 -0500

Get ready for the trough of disillusionment.

Tue, 30 Sep 2014 15:30:00 -0500

Even if you're still in the planning stages for your new enterprise, it's never too soon to start thinking about these six operational issues that will impact and contribute to the success of your business.

Tue, 30 Sep 2014 15:00:00 -0500

Speakers and successful business leaders share their insights on success and failure at the New York conference hosted last week by Entrepreneur.

Tue, 30 Sep 2014 14:30:00 -0500

Your goal is to dominate. Leave endless competition to those who want to play games.

Tue, 30 Sep 2014 14:00:00 -0500

The three-year effort has been terminated but key elements for stopping plagiarism and ranking articles remain.

Tue, 30 Sep 2014 13:30:17 -0500

Following demands from high-profile, activist investor Carl Icahn, fast-growing payments business PayPal will be a standalone company by mid next year.

Tue, 30 Sep 2014 13:30:00 -0500

Whether you’re trying to get the word out about a new piece of software or you just want people to know about your latest online sale, these are the Twitter strategies you’ll want to employ.

Tue, 30 Sep 2014 13:20:00 -0500

The founders of Sleeping Baby invented the Zipadee-Zip out of necessity. But their 'Shark Tank' pitch was the result of more than two years of hard work.

Tue, 30 Sep 2014 13:00:00 -0500

Remember that serious entrepreneurs and small business owners focus on developing and marketing their products and services, not themselves.

Tue, 30 Sep 2014 12:50:00 -0500

This husband-wife duo doesn't believe there is such thing as working too hard, as co-franchisees of two BrightStar Care franchises.

Tue, 30 Sep 2014 12:30:00 -0500

Want to build an exercise habit that sticks? Changing your behavior can be difficult so here are some tips to get you started.

Tue, 30 Sep 2014 12:00:00 -0500

In this podcast, Lewis Howes speaks in detail with the scientific director at the Imagination Institute.

Tue, 30 Sep 2014 11:30:00 -0500

Marketing is a cacophony but a few voices are consistently heard clearly. Listen to those and learn.

Mon, 29 Sep 2014 22:30:00 -0500

Learn this essential way to focus your efforts for the management challenges ahead.

Mon, 29 Sep 2014 22:00:00 -0500

Public relations firms are offering DIY courses in marketing to businesses that cannot otherwise afford their services.

Mon, 29 Sep 2014 21:30:00 -0500

Expect things to be done differently in the human resources as millennials move into management.

Mon, 29 Sep 2014 21:00:00 -0500

The prevalence of smart phones as a shopping tool means brick-and-mortar businesses need a website that meets consumer expectations.

Mon, 29 Sep 2014 20:58:00 -0500

The multifaceted Japanese tech giant is not letting a failed bid for T-Mobile stand in the way of its quest to become the biggest company in the world.

Mon, 29 Sep 2014 20:30:00 -0500

How does a new boss learn to step ahead boldly without becoming burdened by the fear of making a mistake? Read some lessons from a former general manager at age 24.

Mon, 29 Sep 2014 20:00:00 -0500

Road warriors can avoid fatigue and jet lag with these tips. Rest affects how you look, feel and perform, making it a sound investment.

Mon, 29 Sep 2014 20:00:00 -0500

People happily moving through life with ease aren't dealing with less stress or fewer challenges. It's how they view what we all see.

Mon, 29 Sep 2014 19:37:44 -0500

Got a parking ticket? This new app disputes your tickets so you don’t have to.

Mon, 29 Sep 2014 19:30:00 -0500

Businesses are increasingly seeing the utility of enterprise services tailored to their needs, creating opportunity for nimble entrepreneurs.

Mon, 29 Sep 2014 19:15:00 -0500

A former English teacher from Hangzhou, China, fashions one of the world's most valuable companies with an unorthodox philosophy in 15 years.

Mon, 29 Sep 2014 19:00:00 -0500

Since we all want to portray ourselves as cool, intelligent, strong, charismatic and interested in others, learning tactics to make a great first impression is critical.

Mon, 29 Sep 2014 18:39:00 -0500

JAB Holding is taking the bagel company Einstein Noah private for the price of $20.25 per share.

Mon, 29 Sep 2014 18:30:00 -0500

To revive a brand and put the company back on the right track, take the time to assess strengths and weaknesses, understand the brand’s value to customers and communicate that story consistently.

Mon, 29 Sep 2014 18:30:00 -0500

For our 'If I Knew Then, What I Know Now' series, serial entrepreneur Steve Blank discusses the importance of following your passion, the importance of family and the legacy he hopes to leave behind for future entrepreneurs.

Mon, 29 Sep 2014 18:00:00 -0500

Even though virtual assistants are meant to make an entrepreneur's life easier, founders can make mistakes working with them -- causing more headaches than good.

Mon, 29 Sep 2014 17:33:00 -0500

The software company's first Manhattan store will be located at 677 Fifth Avenue, a few blocks south blocks from Apple's flagship store.

Mon, 29 Sep 2014 17:32:00 -0500

'Share a Coke,' in which bottles were personalized with popular names as well as terms of endearment, is credited with increasing Coca-Cola sales for the first time in over a decade.

Mon, 29 Sep 2014 17:30:00 -0500

To ensure your long-term viability, put a consistent program in place to increase your 'likes.'

Mon, 29 Sep 2014 17:00:00 -0500

Stats don’t lie. They just might not be telling the story you expect.

Mon, 29 Sep 2014 16:45:00 -0500

BetterWorks, which just raised a $15.5 million Series A round, merges the concepts of game mechanics and the quantified self to motivate and manage employees' goals.

Mon, 29 Sep 2014 16:30:00 -0500

Eliminate ineffective practices and replace them with strategic, content-focused tactics. Readers will appreciate these.

Mon, 29 Sep 2014 16:14:00 -0500

Just when we were saying our first hello to Ello, it said goodbye. Here's why. And, yes, the buzzing ad-free social magnet is back up and running.

Mon, 29 Sep 2014 16:00:00 -0500

Writing well is part habit, part knowledge and part giving a damn.

Mon, 29 Sep 2014 15:30:00 -0500

If you’re an entrepreneur and you want to become more efficient, productive, and successful, take a look at this list of tools

Mon, 29 Sep 2014 15:15:00 -0500

The founder of lifestyle site Preserve explains why she isn’t letting detractors drag her down.

Mon, 29 Sep 2014 15:00:00 -0500

Business is the ultimate sport, so learn what it takes to create lasting success.

Mon, 29 Sep 2014 14:30:00 -0500

While it’s easy to blame an unsatisfying final product on the designer, it’s up to the client to communicate effectively, give their designer all the tools they need to succeed and ensure that the best product is delivered.

Mon, 29 Sep 2014 14:00:00 -0500

Greatness is being good as a person, not just being good just at what you do.

Mon, 29 Sep 2014 13:30:00 -0500

It's easy to get lost in the here and now, but planning for what comes next is crucial to your business's success.

Mon, 29 Sep 2014 13:12:00 -0500

Rent the Runway, Bonobos and Birchbox all found success in being online-only and are now expanding offline. Their founders say there are benefits to having a foot in both courts at once.

Mon, 29 Sep 2014 13:00:00 -0500

Experts explain why your phone is keeping you from accomplishing what you want and need to do.

Mon, 29 Sep 2014 13:00:00 -0500

Even if you truly derive great pleasure from your work, you need to have some downtime.

Mon, 29 Sep 2014 12:30:00 -0500

Sometimes being brutally honest has the happy result of realizing, even if you can improve. you are smart, you work hard, you can do this.

Mon, 29 Sep 2014 12:00:00 -0500

What criteria can you use to determine if you have been with the same company too long? And to know it's time to do something new?

Mon, 29 Sep 2014 11:30:00 -0500

Dulce Cuevas has worked nearly every position possible at Liberty Tax: translator, bilingual tax preparer, tax school instructor, manager and finally multi-unit franchisee.

Sun, 28 Sep 2014 18:00:00 -0500

Want a hotel reservation in a jiffy or need to fly out of town in two hours? Fire up these applications on your smartphone.

Sun, 28 Sep 2014 16:00:00 -0500

There's no denying the network was launched, at least partially, in reaction to all the data Facebook collects on its users. But don't expect the nascent company to really threaten Facebook's dominance.

Sun, 28 Sep 2014 14:30:00 -0500

Some talented and skilled individuals succeed in their area of expertise but create all kinds of problems due to their distorted view of themselves and others.

Sat, 27 Sep 2014 18:00:00 -0500

Sure, the iPhone 6 just came out. But let's be honest. It's far from perfect.

Sat, 27 Sep 2014 16:00:00 -0500

It can be hard. But it’s a necessary evil.

Fri, 26 Sep 2014 21:30:00 -0500

With so many websites powered by WordPress, supercharge yours with these powerful plugins.

Fri, 26 Sep 2014 21:00:00 -0500

The saying, 'Imitation is the sincerest form of flattery' just doesn't fly when dealing with trademarks.

Fri, 26 Sep 2014 20:42:00 -0500

Among our favorites? A task manger that gamifies your accomplishments and a background music player that incorporates neuroscience.

Fri, 26 Sep 2014 20:30:00 -0500

We need to rethink how we teach children if we are to graduate adults who can fill the available jobs and grow the economy larger.

Fri, 26 Sep 2014 20:00:00 -0500

Just because you have employees all across the globe, doesn't mean you can't still have company culture.

Fri, 26 Sep 2014 19:30:00 -0500

Join us for an exciting hangout this September 30 where experts will weigh in on what you need to know before you set your website live.

Fri, 26 Sep 2014 19:30:00 -0500

Although many flock to the Golden State, some may be unaware of these restrictions on how businesses can operate.

Fri, 26 Sep 2014 19:15:00 -0500

As of Monday, Pimco’s founder will be working for Janus Capital, his former competitor, on a recently launched bond fund.

Fri, 26 Sep 2014 19:13:00 -0500

The outspoken Shark Tank star is anything but bullish on Bitcoin.

Fri, 26 Sep 2014 19:00:00 -0500

Fundamental critical thinking is essential in business, and life, but is seldom seen on a college curriculum. Happily, it's something you can figure out.

Fri, 26 Sep 2014 18:33:00 -0500

'I'm terrified of heights,' says 19-year-old Anna Bezuglova, 'but for Alphatise, I’m willing to take the plunge.'

Fri, 26 Sep 2014 18:30:00 -0500

Asking people for money is tough. But some are learning how to do it and starting businesses as a result.

Fri, 26 Sep 2014 18:00:00 -0500

Working without a salary for equity might feel like pitching in at your neighbor's barn raising but the government doesn't see it that way.

Fri, 26 Sep 2014 17:30:00 -0500

Wondering why that well-intentioned initiative won't get off the ground? Maybe some of these factors are at play.

Fri, 26 Sep 2014 17:00:00 -0500

You don't want the clients that are hard sells.

Fri, 26 Sep 2014 16:48:00 -0500

Former PIMCO chief Mohamed El-Erian, who reportedly earned $100 million in 2011 alone, said he prioritized the wrong things, so he quit his job to focus on parenthood.

Fri, 26 Sep 2014 16:30:00 -0500

How often have you heard the line, 'My salespeople can’t close.' Here is how to fix this issue.

Fri, 26 Sep 2014 16:25:00 -0500

In making vast troves of smartphone data only available to each device's owner, the FBI argues, a critical crime-solving tool has been compromised.

Fri, 26 Sep 2014 16:00:00 -0500

The images you choose image can make the difference between someone clicking on a post or passing it up completely.

Tue, 30 Sep 2014 16:43:00 -0500

Most taxpayers use their IRAs to pay for retirement expenses but there are also opportunities to use an IRA to pay for education expenses - and avoid the 10% additional tax.

Tue, 30 Sep 2014 16:25:00 -0500

It’s not just elephants and rhinos, wild animal numbers in general have halved in the past four decades as the world’s human population has doubled. Half the Earth’s vertebrates – birds, reptiles, amphibians and fish – disappeared between 1970 and 2010, according to the Living World study by the conservation group [...]

Tue, 30 Sep 2014 15:21:00 -0500

Lessons from a fast-growth startup that figured out how to win on Shark Tank.

Tue, 30 Sep 2014 12:00:00 -0500

Consumer tests suggest Apple's iPhone 6 Plus isn't prone to bending, but don't yet prove it won't happen through normal use.

Tue, 30 Sep 2014 11:32:00 -0500

Over the past 40 years, human activity has exacted a devastating toll on the planet's wildlife population. According to a shocking new report from the World Wildlife Fund, 52 percent of the world's mammals, birds, reptiles, amphibians and fish have vanished between 1970 and 2010. Exploitation and habitat degradation/loss are the primary [...]

Tue, 30 Sep 2014 10:00:00 -0500

Joe Polish is a marketing genius and bestselling author who’s consulted many of the industry’s best: Sir Richard Branson, Body for Life’s Bill Phillips, Tim Ferriss and many more. He was "thought leadership" before the concept of thought leadership was born.

Tue, 30 Sep 2014 00:09:00 -0500

For the past week I've been carrying an iPhone 6 Plus in one pocket and the G3 in another and -- after extensive use of both -- I can see how each would have its fans and detractors. Both are excellent phones and while there is no clear winner, I'm leaning [...]

Mon, 29 Sep 2014 16:29:00 -0500

While the American Opportunity Credit generally offers more of a tax break for families than its counterpart, the Lifetime Learning Credit tends to benefit more taxpayers.

Mon, 29 Sep 2014 10:00:00 -0500

Twenty-seven newcomers joined the ranks of the 2014 Forbes 400 list of richest Americans. They hail from a variety of industries.

Wed, 24 Sep 2014 18:00:00 -0500

There’s quite a bit of headshaking in the criminal justice community over insider trader Matthew Martoma’s decision to go to trial, rather than take a plea deal, and the sentence of nine years he received following his conviction. Martoma’s decision should not distract us from one deplorable feature of federal criminal sentencing: the trial penalty.

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Is Your Bank Stealing From You?
By David Najor :: Friday, August 22, 2008 :: 13989 Views :: Article Rating :: Business & Finance

California, USA - “Few would argue that the energetic entrepreneurs have transformed small business in metropolitan areas of Michigan, California, Illinois, Arizona, and Nevada,” says Rebecca Cohen of California’s Bank & Trust speaking of Chaldeans.  “They are hard-working, brilliant in business, and have a remarkable talent for negotiations.”

Although the accolades and praise rings true to many, Chaldean business owners still remind budding entrepreneurs to be mindful of banks when doing business. 

“Banks are like any other business.  Their inventory is currency.  They want to buy currency when it is inexpensive and sell or loan to you at a higher rate,” says Masood Bajou.  “Chaldeans in business or not, should always keep a close eye on their banks and the fees they charge.”

Increasingly, banks are finding ways to impose bigger and trickier fees on account holders.  Uncovering the creative ways banks assess fees and other hidden costs to their customers was no easy task.  Nonetheless, Chaldeans should be watchful over some of the sneakiest fees and quickly master ways you can avoid them...

ATM Overdraw
Many ATMs are allowing their customers to overdraw on their accounts. Request cash from your bank's ATM, and you will almost certainly receive it -- even if there is not enough money in your account to cover the withdrawal. Banks could easily program their ATMs to decline such transactions or to warn you that such a transaction will trigger a hefty overdraft fee, but that would mean a loss of extra fees for the banks.

Chaldean Self-defense: Check your balance before making the withdrawal if you are not certain there is enough money in your account.

Double ATM fees.
Last year, Bank of America increased its ATM fee for non-account holders from $2 to $3, and other banks are likely to follow suit. ATMs warn customers of this type of charge, but many ATM users do not realize that their own banks often charge an additional fee of between $1 and $2.50 for using an ATM that belongs to another bank chain. That means the total fee for an out-of-network ATM transaction can top $5.

Chaldean Self-defense: Use only your own bank's ATMs.

Check Overdraft Penalities
Clear the biggest checks first to maximize overdraft penalties. Most banks charge a fee of $30 to $40 each time an account holder bounces a check. (Any merchant who received your bad check might charge you a penalty as well.) In addition, many banks now follow a practice that often automatically increases the number of checks that their customers bounce. They do this by first deducting from your account the largest check amounts when processing a batch of your checks.

The banks claim they do this because large checks tend to be the most important, but consumer advocates contend that it is just a way to maximize fees. Bank of America, Citibank, HSBC, Wells Fargo and many other banks engage in the practice.

Example: Five checks you wrote reach your bank on a given day -- four checks for small items followed by a $1,400 mortgage payment. If there is only $1,300 in your account, only the final check -- the big mortgage payment -- should bounce. Instead, your bank processes the large mortgage payment first, which means that all five checks will bounce. Rather than a $30 or $40 overdraft fee and one upset check recipient, you now face $150 to $200 in overdraft fees and five perturbed check recipients.

Chaldean Self-defense: Avoid writing many checks or making several debit card purchases in a short period if you are not 100% certain that there will be enough money in your account to cover all of them.   Also, check with your bank to see if they have overdraft protection should you have both a savings and checking account. This is often a free service so be careful of banks that charge for this basic service.

Another hidden fee is getting a penalty for someone else's bounced check. A penalty when you bounce a check is one thing -- but many banks now charge a fee of $5 to $10 to the recipient of a bad check as well.

Chaldean Self-defense: Do not accept checks as payment unless you are confident that you can trust the payer.

Account Dormancy Fees
Some banks charge a fee of several dollars per month to keep an "inactive" or "dormant" account open. In Michigan, Charter One is notorious for this practice.  Banks have different criteria for what they consider a dormant account, so be sure to ask your bank about its rules.

Chaldean Self-defense: Close any unnecessary accounts.

Banks might charge you a fee of $5 or more if you close an account within six to 12 months of opening it. These fees are particularly common at bank branches located in college towns, because banks know that students often close accounts at the end of each semester or school year. Example: Here in California, KeyBank charges an early closure fee of $25 when "Express Checking" accounts are closed within 180 days of being opened.

Chaldean Self-defense: Ask about account closing fees before you open the account. Don't open an account at a bank that charges such a fee if you expect to leave the region or close the account for another reason anytime soon.

Gift Card Fees.
Banks sell gift cards like those offered by retailers. They can be used just as you would use a bank-issued debit or credit card. Unlike retailer gift cards, however, bank gift cards often carry account fees of as much as $2 or $3 per month. If the recipient does not spend the money quickly, a significant portion of it might gradually disappear.

Chaldean Self-defense: Give cash or a check -- or a retailer gift card -- rather than a bank gift card.

Teller and Phone Fees.
Some banks now charge $1 to $5 or more every time an account holder interacts with a teller or customer service representative in person or on the phone (or every time the account holder exceeds a preset monthly teller transaction limit). At some banks, this charge applies even when customers call the bank but interact only with the automated system. Customers are not told that they are being charged a fee at the time of the transaction, and they often are unaware of the rules.

Some banks even charge a fee for certain ATM services, such as requesting a "mini-statement" that summarizes recent transactions.

Chaldean Self-defense: Ask your bank if your account has a limit on the number of free teller visits or calls. If it does, do as much banking as possible through ATMs or on-line.

Also, ask to have any teller or phone fee waived when your call or visit is about a bank error, involves opening an account or is because the bank's ATM is out of service. You also may avoid these fees if you maintain a certain balance in some accounts.

PIN fees.
Some banks now charge a fee of 25 cents to $1.50 each time a customer uses a personal identification number (PIN) for a debit card transaction at a retailer. Debit card users typically can choose to either sign for purchases or type in their PINs.

Banks impose PIN fees to encourage customers to sign for purchases, because banks can charge retailers higher fees when they do. Trouble is, many Chaldean cardholders don't even know that PIN fees exist.

Chaldean Self-defense: Try to use credit cards rather than a debit card. If you do use a debit card, check whether your bank imposes a fee when you enter a PIN. Consider switching banks if it does.

HOW TO AVOID FEES

Many Chaldean bank customers learn that fees only after when charges appear on their account statements -- if they bother to read their statements at all.   By law banks are required to give new customers a "Truth in Savings Disclosure" statement detailing all of their fees and to notify customers in writing when policies change, but few read the fine print of bank literature. Chaldeans should routinely ask their bank for a copy of the fee-disclosure statement for their accounts.

Chaldeans will often say that their banks waive the fees because they are good customers, but this is less common now. At many banks, low-level employees no longer even have the right to waive fees, and the managers who do are increasingly unwilling to be lenient -- though it is still worth asking to have questionable fees waived when they appear on your statement.

Always keep a good record of what you have tied to a bank.  Banks know that if you have your mortgage being automatically withdrawn, direct deposit for professionals, or a business account with business dealings electronically tied, they know you are less likely to leave over the fee charges.  Some banks will take advantage of this situation and nickel and dime Chaldeans to death. 

Having all your information accessible makes it easy to call their bluff and transfer your accounts to another bank.  Competition is the only way to keep the banks offering great service at reasonable costs. 

Now that is advice you can take to the bank!