That's because you didn't have to go to 6 bank's and finally drive 2.5 hrs to the next biggest city to get one. Then asked about a second account after the tax thing so I could just direct deposit my ss in. Not tax on ss. They said yes but when I came back with the documents it was no. I had to do the Bank search again & luckily found one near. It's very prevent having bank issues. BTW the second was the same bank, but different branch of the first go round. It depends if they had a bad day.