We finally dumped Citizens. I used them for the closing on the house 3 years ago and just kept a small amount there. I got tired of them trying to charge me a fee if there was no activity for a year so i got rid of them.
We used TD Bank in Massachusetts for SS stuff. They just opened a branch near Texas Road House. No fees. I use them for electronic stuff.
We also have a MidFlorida account for cash needs - they are golf cart accessible and closer by. No fees and easy to deal with.
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