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The recession cost an estimated $19.2 trillion in household wealth, but it spawned a movement towards consumer activism, such as last year's Bank Transfer Day, which encouraged people to switch from major banks like Bank of America and Wells Fargo to credit unions. 

We're often told that smaller institutions are able to foster personal relationships with their customers, but what about other services like online banking or access to ATMs? We take your questions on the pros and cons of national banks, regional chains, and single institutions.

Guest:

  Sheryl Marshall, personal finance expert and author of "Everything Money"