Banks are like casinos. They make money from their customers. This means the banks must be getting more from the customers than the customers are getting from the banks. Otherwise, the banks would be out of business. Only the clever cloaking qualities of inflation prevent you from perceiving your loses clearly.
Banks are a bad investment.
Your money is a lot safer in the freezer. Close all your checking accounts. Since you've paid all your debts, you will have little need for checks, and your money in the bank is money in the pocket for the regulatory complex. Close and reopen all your utilities accounts and the telephone account under pseudonyms. Since you're using money orders instead of checks, you can use a different name for every account.