Regarding phone companies trying to force people to have home phones or cell phones, I decided to expose an unpleasant experience I had last year with Mountain America Federal Credit Union in West Jordan, Utah.
So I never opened the account, and got a higher interest rate elsewhere. Sometimes it pays to look around. Searching reviews, I found one that claimed Mountain America required wire transfers if you opened an account from out of state. Fortunately, I never got that far with 'em.
I strongly recommend avoiding Mountain America.
1/5/2018 update: SUCH A PLEASURE to expose all of these jerks on Blogger, Facebook, and Twitter. If Americans are DUMB enough to tolerate efforts to force 'em to pay big bucks to communicate, so be it. I'm not about to.