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When I moved from Cleveland to New York just over a year ago, I closed out my checking account with Huntington Bank, a regional institution, and opened a new one with Chase. I’m not exactly a high roller, so it never occurred to me that I could play the field, pitting banks against one another to get a better deal. I just went for a basic checking account at a national institution. My financial situation hasn’t changed much over the past year, but the world’s sure has. Next to Wall Street’s huge red blots of government debt, my slender margin in the black suddenly looks pretty good.

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