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today's questions from Collin in Texas I'm looking to open a checking and savings account with an online bank been looking at Discover and American Express I want to know what you thought of those banks or is there a different online bank you recommend thank you well I don't do business with anything that has an American Express on the front of it because they once asked my wife why she would stay with a man that wouldn't pay his bills and she called me crying and said she was thinking the same thing so I'm done with them that's what happens when a hillbilly gets mad that was 37 years ago I'm still pissed okay so I don't do any business with American excess under any circumstances and I really don't like doing business with Visa but I have a Visa debit card through my bank Discover pretty much has one goal in life and that's debt so I'm not sure why I would use them as my bank so overall both of them sound like credit card companies to me not banks and my tendency would be to stay away from them for those reasons now what I use an online bank exclusively there's nothing wrong with that if you check out their background and so forth I am a little bit more old-school and I use a what you would call a click and mortar bank a bank that is a traditional bank but has tremendous online capabilities and so I've got both however I've not been inside of a bank in probably years because of two reasons one is I don't have any need to go in I'm spoiled rotten I have an accounting team here that does all of my transactions I don't go to banks I don't need to so I've just spoiled that's what that means I don't even go over there to the posit my own stuff other people do that right so that kind of thing so I'm a little bit of a weirdo in that sense so I don't need a actual physical location most of us do transactions now ninety something percent of our transactions are online so there's nothing wrong with an online bank I haven't chosen that route personally so I don't have recommendation for you the other thing I look for in a bank is I actually want human beings around even if it's online that I can have somewhat of a connectivity to that's why I don't recommend you do Bank business with the super huge banks the Wells Fargo's the Bank of America is where you're pretty much a number and they couldn't give a rip less if you're there especially unless you're borrowing money and so I use community banks and credit unions those are the two things I endorse in a lot of communities around America when you turn on the Dave Ramsey show you'll hear my voice which we don't...