Inertia. 20 years ago, at the start of college, I got a free checking account at a smallish local bank. Which got bought by a bigger regional bank, which got bo

Inertia. 20 years ago, at the start of college, I got a free checking account at a smallish local bank. Which got bought by a bigger regional bank, which got bought by another bank, which merged into BofA. I had no particular reason to switch until BofA started charging ridiculous fees.