This public notice is for all consumers. I felt lead it was time for hard working citizens to address the local banks about their procedures and banking systems. After researching different banking institutions, I am discovering they are practicing unethical methods that are keeping middle to low class families below the poverty level. Banks are designed plans for money marketing, CDs and more but the majority of people use their local banks for services such as savings, checking etc. We use them for direct deposit and sometime bill paying or for that VISA/MASTERCARD. Instead of these services benefiting us it seems like they are benefiting the banks. They even talk you into getting over draft protection to help you.