All around the country, banks have been steadily losing market share. Today, banks have only about 20 percent of the personal assets out there. That’s because banks are good for checking accounts, and that’s about it. So, the banks have been pushing investment products as a way to make money. In fact, banks are setting up “investment areas” inside their branches where commissioned salespeople try to sell investments. When customers come in, tellers direct them to these areas to open investments. The bank then creates a fee income by selling high-commissioned products that are not so good for your wallet. In addition, the products are not insured by the FDIC. You may think that because you’re buying an investment in a bank, the investment is secure. But it’s not. Not to mention the fact that you could lose money on the investment. If you’re going to do business with a bank, just keep it to a checking account. And remember that hometown, community banks offer better fees and better customer service than any of the mega banks out there.