Banking and small business

I think most small business owners would agree with me that banks are the enemy of small business. In these very difficult economic times banks also have no compassion for the individual who perhaps is strougling with income falling short of expenses. Since all banks charge excessive fees it is meaningless to name one bank but Charlotte State Bank and Trust would be an example of this problem. My 91 year old mother has an accout here that is being closed because the bank cites excessive negative balances. Even when there is direct deposit that makes the account right at least once a month the bankers there look at their computers and obey. The obvious solution would be to not charge the fees. The rub for this bank and others that do the same thing is that they are addicted to this free money. There was a time when banks worked for the money by providing services to customers. Sticking customers with hundreds of dollars worth of fees is a service that I can do without. The branches are convenient at charlotte State and they serve cookies in the loby but customers could buy the cookie company with the fee money collected. I could never be a banker and look a customer in the face telling him that his money would not be returned.