You’ve made this mistake before—sometime between the age of 15 and 25. I can almost guarantee it. And it probably involved a good-looking girl… or boy. Whatever your preference.

You took someone for granted and chased after someone new. Then they both dropped you.

One big bank is making a similar mistake. Only it’s not chasing tail. It’s chasing customers.

A few years back Bank of America began buying every “Bank of Your Little Town” it could. With some 5,000 retail branches across the US, it seemed serious about retail banking. If not, why bother operating all those branches?

Meanwhile, it put the moves on Merrill Lynch.

Problem is, retail customers just don’t like Bank of America. J.D. Power ranked it dead last in four of 11 regions across the nation this year. And as Bloomberg Business reported, “Bank of America Corp. ranked worst among its peers in retail customer satisfaction in states where it has the most branches, California and Florida….”

Part of the problem is that is behaves like an investment bank toward its customers.

Back in 2013, Bank of America began phasing out its drive-through windows. A retired bank executive shared a rumor with me: it’s closing drive-through windows to force customers into the branch so they can sell Merrill Lynch products.

I’m inclined to believe him. In March, we made a rare trip into a Bank of America branch in Florida to deposit a large check from the sale of our home. The branch manager swooped us into his office and began pitching investment products the minute we walked in.

I know; it’s just one example. But they’re hassling long-term customers every day.

People don’t like it. But they don’t know there’s a simple, easy-to-execute alternative.

First, keep enough cash at your bank to pay your bills. Nothing more. A small local bank that will cover ATM fees when you travel is your best bet. That takes care of your administrative needs.

Second, take the remainder of you cash and start your own Bank of Me. This cash should earn a robust return with minimal risk and no hassles.

I stand firm in my belief that about one-third of your portfolio should sit in low-risk, liquid, cash-like instruments. But near-negative interest rates negate any safety offered by FDIC-insured accounts. Your cash is just sitting there, withering away.

Now is the time to start your own bank.

You might be thinking, “This guy is nuts. I’m an engineer (or teacher, fireman, dentist… insert your profession). I don’t have the time or the know-how to start my own bank.”

Rest assured, it takes minimal time, and you can bring yourself up to speed right now by reading one special report: Bank of Me. We lay out the process and the specific investments for you.

My wife and I took our cash out of Bank of America’s claws. Now we have enough at our local bank to meet monthly expenses. No hassles there, and they call us by name. There’s even a drive-through.

And the rest of our cash is carrying its own weight once again. I’d love to show you how to do the same. Click here to learn how to fire your bank.