At least it has Beethoven.

This is one of those commercials that after you've seen it once or twice, you never want to see it again. In addition to that, I don't really understand it. This young man is taking out money from an ATM. He doesn't know whether to accept the bank's $3 service charge. A series of people are shown encouraging him to accept the charge with a defeatist sense that he has no choice. He is torn, confused, unwilling, hesitant. Then his girlfriend threatens him if they're late for the movie, so he accepts it the charge.The whole concept is weird. Those who encouraged him made some good arguments. And ultimately he's a wimp. It seems to me that too much time was wasted on the decision and none on Ally explaining who they are and how they can help you. Their past commercials showing the businessman with the kids were great. This is annoying and unclear.