I usually don't post, preferring to learn more from experienced people, but today I will make an exception.
For the record, I am an IT guy who's worked at two major financial institutions during my working career. Most commercial banks and/or financial institutions (the powers that be) are scum-sucking dogs, bottom-feeding vermin, who wouldn't hesitate to make a buck from the graves of their dead parents. PERIOD!!! That being said, I very much agree with other posters in this thread in that, once the RV takes place, they will take ANY monies they can get their hands on. They'd probably do drug money IF they could get away with it....
MY personal opinion is that, when the time comes that I have money-in-hand, I will be in the driver's seat. Do you think that, for one minute, I will forget those that have shunned me? I will take my money elsewhere. 'Nuff said.....
God Bless You All -- choose your friends (AND bankers) wisely......