"couple hundred bucks a year..." I have to decide how often I'm willing to open and close accounts with them.... There are more $200 shops with their big client near me than I could possibly do... Some are closer to $300, if I'm up to conducting the shop in Spanish. (I've done that once and it was fine... However, though I am quite fluent, any native speaker will recognize that Spanish is not my first language after a few minutes.... Because I'm asking that I speak with a Spanish-speaker, I can't choose English as my first language.... Plus, they have a list of interpreter services a mile long, so if I were to choose something like "German" as my first language, I'd be put on the phone with a German speaker, which would be a real disaster... I'm a white guy with a very American name.... So... I opened a savings account last week as "MFJohnston the Macedonian." Thankfully, I was not asked too many details about my cover story...
Hard work builds character and homework is good for your soul.