If you do your banking with WF, Chase, BoA, or Citi (or perhaps just anyone on this list), you should seriously move your money. I was with WF, and started the moving process to a credit union yesterday. Credit Unions are non-profit and member owned, and other non-profits or co-ops I'm a part of (REI, the PCTA) haven't f--ked the world economy, so I think it's a pretty good model. Your money's insured by the NCUSIF and backed by the full faith and credit of the US government, so there's not much to worry about, and most have agreements with tons of other CU's so you won't get the shaft on ATM fees.
Look in your area: