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A spokesman for Institutional Risk Analytics reported that banks in more than 16,000 American zip codes — more than half of those in the country have been subject to recent online searches. That could be bad news for the largest banks, but is it enough to spur real changes in how they treat customers? Time will tell. As of 2009, four banks — Citigroup, JPMorganChase, Bank of America and Wells Fargo — held 39 percent of all deposits in FDIC-insured banks, according to Reuters. The.

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