In the West, the top-ranked complaint was the commute to and from work (14%).

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"I used to be a car snob, and I used to be too vain to drive anything that doesn't shine, " said Marci Solomon, an electrician who has a 100-mile commute to and from work.

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So if you travel a lot or commute a distance from home to work, a bank with widespread branches and many ATMs is probably going to cost you less than a bank with a more limited range.

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