I had to deal with my banks yesterday, and it was a major hassle. See, I have a Visa and a Mastercard now, and the two of them don't get along, and--
Wait, this is a boring discussion. Let's make it more interesting, by replacing bank terms with Final Fantasy characters.
The two magic users in my party are a red mage and a white mage. Recently, I got a white wizard, to replace my white mage. But since my white mage is a member of the Bank Guild, the guild tried its hardest to stop me from getting rid of him.
In particular, the lady wanted to sell me on a plan, where I could keep my white mage for free, as long as I used him in at least four battles per month. That's crazy. I have a white wizard now; why on Earth would I want to keep using a low-level white mage?
In the end, it turned out that I could get double EXP for my red mage, if I had both a red mage and a white mage in my party. So I'm keeping the white mage for the extra EXP, but I'm never going to use him.