I think all of BOA's customers should start demanding their withdrawals in all pennies... just to annoy them. ;-) Seriously though, the article mentions that the smaller banks and credit unions are not tied to these new "regulations" so I would think that would be the way to go in order to avoid the fees. Capital Bank in Catoosa has no fees, and according to the person I spoke to there yesterday, they do not plan to.... great place to bank, we have been very happy there.