Why bank local?
I don't know of anyone who is incredibly happy with large, corporate bank behavior over these past few years. When I first moved to Phoenix ten years ago, I tossed my money in a national bank just because the name was familiar and it seemed "safe". I can't say I had any real positive experiences but there were plenty of negative ones. I tried a couple of different national banks and I saw no difference at all. And now we all know how these banks used and misused the money of people like myself who sometime struggle to make rent or mortgage, to buy food and clothes, to educate our kids. To us, a thousand dollars is a hell of a lot of money and these corporations were pocketing millions. I won't even get into my feelings on how they used the bailout money (i.e. our money).
I find no reason to put up with and fund the behavior of those who feel that they have no reason to be accountable. Luckily, we have a fantastic selection of locally-owned banks and credit unions in this state that keep our money in the community. They have a vested interest in the vitality of our local economy, and on the strength of its local businesses. I know that I made the right choice by dropping the national banks three years ago, and by keeping my money in a local bank I know that it's staying right here where I live.