One of my friends is the VP of a community bank with probably somewhere around 60 locations locally. It's completely local; the businesses they work with are the barbershops, car washes, and bakeries we have in our communities. He said it's never been this crazy at the bank, working 18-hour days to make sure everything is processed timely. People automatically think of Wells Fargo, Bank of America, and Chase, but folks need to remember the amount of resources it takes to roll this program out, and that not every participating bank is a behemoth Wall Street too-big-to-fail bank.