drums...bank managers really don't mind closing out many accounts especially if the customers are using the "it's my money" routine...if all you have is a checking account then they will gladly close it out if you are playing the suck up to me game...in the grand scheme of things $5,000 in a checking account isn't all that important, because they may be making about $100 or less a year off your money

Now if you have a business account, cc and loans the power play is way more effective!!