YES. I agree wholeheartedly with you. This is something that I've wanted to do for years -- but unfortunately has been way too far out of the reach of my resources. For now.<p>Most of the comments here seem to miss the point: banks act as liaisons between people and money, and most banks -- even local ones -- aren't doing a good enough job at that, so there is a notable opportunity here.<p>For example, lending practices: there are many individuals with poor credit or financial liquidity issues that would still be reliable loan customers if the relationship was handled carefully.<p>And, other people here are missing the point about fees: these are not small sums of money which primarily target the poor. They are a <i>poor tax</i>. At what point did that become socially acceptable?<p>Then there's the problem of interest-bearing accounts. Financially savvy individuals don't bother investing in banks, because the yields are too low -- which in turn affects the bank's ability to lend.<p>So, yes. I'd love to see this.