You are right. They have about $2000.00 of my money because I over paid my taxes by mistake for several months and have refused to refund to me by delaying and lying. But they aren't the only banks that are borrowig money from fed for nothing and reloaning to the fed for several % more than they pay. This money is supposed to be loaned too those in need in order to open up the conduiet to the public, in order to restart the economy. Seems the Banks are the tail wagging the dog instead they are the opposite. If they keep the increased interest recently enacted on credit cards and other undesired methods of stealing, the stock should sky rocket. We are being robbed.