Bank of America stinks, just so you know. I’ve been using them for years just because they have ATMs all over town, but now I’m checking out online banks. There are much better deals to be had there. Sometimes you have to remind yourself that you are lending your money to the bank with these accounts, and they ought to be paying you. It’s not like you get to charge the bank fees when they loan you money, after all. I poked around the net, and settled on WaMu Online Personal Checking as the best option out there. They pay great rates, and don’t charge those ridiculous fees. I know some people have issues with not being able to meet their bankers in person, but honestly I don’t really care about that. In fact, I think most people would be better off switching to an online bank.