I don't know how the AmeriYank banking system works, but up here in Canuckia we have "the Big Five" which is across the country (Royal, ScotiaBank, B. of Montreal, Can. Imp. B. of Commerce, and Toronto-Dominion) [which equals: Roy; SB; BM; CIBC; and TD). But in each province there are 'Credit Unions' which are independent and locally run.
I've learned the hard way, to NEVER deal with any of the big 5 again, and have only used Credit Unions for nearly 20 years. There's definitely benefits and reasons for doing this, AS WELL AS not supporting idiotic moves such as these. It was the 'firearm business' debacle though, where things REALLY should have kicked-off.
Financial institutions should not have the power or ability to legislate.