Sometimes looking from the bottom to the top can cut through the litter of bluster and public relations staff. While the senior management speaks of ethics, and people first, its branches such as Sarasota Florida, make money with practices that would make a bookmaker blush... in checking accounts it charges the large fees for each transaction customers encounter after they entice them into Debit cards. In one case they chared over 20 transactions in a 30 day period, $35 charges for such items as a use of the card for a $2 purchase. How is the bank making it money? And how many customers have paid the preditory charges?/ Sell this stock while you can and waite for management that does what they say.