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1.      You want to support small, local, US businesses — The New Rules Project reported in 2010 that the 20 biggest banks “devote only 18 percent of their commercial loan portfolios to small business,” despite the clear need to spur small-business growth to jump-start our economy.

2.     You don’t want your money paid out as a fat bonus for a CEO – While most of us continue to feel the effects of the 2008 global economic downturn, mega-bank CEOs as a group have seen their pay skyrocket back to 2008 levels and higher. The same banks that took billions of dollars in taxpayer bailouts promptly rewarded their highest-paid employees with bonuses. The Financial Times reports that big-bank CEO pay rose 36 percent in 2010, while average workers in private industry saw their pay rise only 2 percent.

3.      You don’t want to fund climate change.  — A recent report from…

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