We get brand loyalty. You’ve been using the same kind of toothpaste for over a decade, there’s only one type of coffee that tastes right in the morning, a small handful of sources you trust to deliver you news. But when is the last time you second-guessed your bank? A lot of us sign up early in our financial lives with a national bank, maybe one offering painless on-campus signup to freshmen, or the one you went with because they have branches everywhere you go. That national bank...

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