your local savings and loan. these banks are much more sensitive to your own financial situation and i think they will be more helpful. >> gregg: were smaller banks in addition to credit unions, there is an on-line bank called perk street. customers earn 2% cash back on their debit purchases and they have 1500 atms nationwide. pardon me, 37,000 atms throughout the country. >> look, and i'll just come back to the dodd frank amendment. there is a positive to this. let's maybe close on that. now the merchants are not paying these huge fees to the banks, right, maybe they can lower costs to us, the consumer. maybe they can use some of that tax savings to hire people instead of actually paying the fees from the banks. >> gregg: sovereign bank, debit card holders get up to 20% cash back on purchases at more than 1200 retailers. if sovereign bank can do this and give money to customers for

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