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A comment on Disclosure: Unlimited Chase Ultimate Rewards Points. Parent comment
It doesn't have to be an either/or proposition.
* I keep my savings, checking, and loan accounts at a local bank, which also issues a debit card.
* I have credit cards from Discover and BoA, so that I get big-bank services for them.
The bulk of my value as a customer is tied to my mortgage, so my local bank, and possibly Fannie Mae, holds onto those profits.
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It doesn't have to be an either/or proposition.
* I keep my savings, checking, and loan accounts at a local bank, which also issues a debit card.
* I have credit cards from Discover and BoA, so that I get big-bank services for them.
The bulk of my value as a customer is tied to my mortgage, so my local bank, and possibly Fannie Mae, holds onto those profits.