It won't be long before you'll have to pay the banks to hold your money. Its already happening in Europe for certain kinds of accounts, and there is a growing under current by certain groups to ban cash...then control is complete. Break them up, break them up, break them up.
After the 2008 debacle, me and the wife move all of our accounts to a local Credit Union. It was a pain in the ass to move (juggling accounts for a month or two), but it ended up being the right decision. Still is.