I went into the bank the other day to open a new personal checking account. As I am sitting with the banker, we are having a casual conversation about bank fees. When I mentioned the new law that would require them to charge $15.00 per month for debit card transactions,

I take a certain degree of pleasure in whipping out my ATM card. Shiny and gray as a sleek piece of steel, it reads “San Francisco Fire Credit Union” across the front, a fact that occasionally gets me a double take. I look nothing like a fireman. I look nothing