LOS ANGELES-It took Kristen Christian less than an hour to lay the groundwork for one of the largest consumer migrations in history.

A long-time Bank of America customer who says she had also long been unhappy with the bank, the Los Angeles-based art gallery owner said she had only "disgust" when BofA announced it intended to implement a $5 monthly debit card fee. What would follow has made Christian Credit Union Journal's 2011 Story of the Year.

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