Federal Reserve Chairman Ben Bernanke has been testifying about the bank bailout and the threat of galloping inflation. He's also been denying any further nationalization of our financial institutions.

This kind of talk can be a lot of mumbo-jumbo unless you know what the direct impact is to you. In Clark's estimation, the question of nationalization raises issues about decreased customer service at the bigger banks.

Here's the scoop: The nation's largest banks will undergo a "stress test" of sorts to determine their viability. Several will become wards of the state.

In fact, Citibank and Bank of America are both unofficially wards of the state in all but name. We're already on the hook for $400 billion with Citibank and $160 billion with Bank of America!

If you have a heavy-transaction account -- such as a business checking account -- the quality of the customer service is going to decline at a bank that's become the walking dead. Morale, layoffs and uncertainty about the future are all reasons why.

Even in the event your bank fails, you can rest assured that if you have under $250,000, there's nothing to fret about. You won't lose a penny of this FDIC insured money.

Just expect a serious decline in customer service.