Wells Fargo has a brick and mortar here like a thousand other towns but I write about 1 check a month and utilities are automatically paid... But the FED decided to spend it's way out of trouble/debt since 08 and retired savers were punished!
EPD is my REAL bank as the capital I stuck in over the years keeps paying a wee bit more each quarter, solid as far back as the eye can see. Self funding and paying future notes early is the norm for this company, with all around wise conservative growth and expanding DCF. Contract assured projects.
If you think of EPD as the missing savings account that paid interest in the last century, parking the money here you hope you never need, ...your heirs will get the stepped up basis, while you get the K1 untaxed distributions. Before the internet folks dreaded the slow arrival of the K1's for tax returns, but any accountant can access them now well ahead of filing.