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One bank was TCF bank. Bankrate.com Star Rating: ****. Market Cap: 2.45B 453 retail banking branches.
The other was Motorola Credit Union.
Another clause that favored them was the right to offset the HELOC balance against any deposits you have in any other account at the bank.
I believe these are both pretty standard clauses. But then---how many people ever actually read the loan documents they are signing? Darned few.
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