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Okay, if you have not heard about this one yet, then you will definitely get a giggle! nbsp;I got it on my Facebook news feed and now it’s popping up everywhere. nbsp;Even Dave Ramsey talked about it today on his /br /a href=””Bank of America Gets Pad Locked After Homeowner Forecloses On It/abr /br /We are in the process of transferring all our banking from Bank of America to a href=””USAA/a. nbsp;And although we have had an issue with their a href=””auto insurance/anbsp;we have had no problems with the banking. nbsp;What is great is that there are no fees, no ATM fees, and no required auto deposits to avoid monthly fees. Yay for no fees!!br /br /a href=”” target=”_blank”img alt=”Anna” border=”0″ src=”” //a