Where do you bank? / Online banking Options

[Mommy]

I have a money market account with Capital One that I love. It gets almost 5% interest and I can easily transfer money in and out of it from my Bank of America account... which if Bank of America stays the way they are now, I will never leave them. They have been outstanding to me. I also have the Keep the Change Savings account, 2 checking accounts, a credit card, and a brokerage account through them. All of my accounts show up in one nifty page. Bank of America has by far the best online banking I have ever seen. Capital One has very few physical banks and the one that I did find told me to go online to sign up for an account. I really like it. Its nice when I get my student loan disbursement, to throw it in there and earn interest on it while a lot of it sits there for a couple of months. When I need more, I just transfer it back to my BofA account.

[pebkac]

I <3 ING Direct. Best part is that if you overdraft your account, they don't charge you huge fees. They give you an overdraft line of protection that they charge you 12% interest on and won't let you exceed it (unlike banks like Wells Fargo who will cheerfully charge you $33 for that fifty cent pack of gum you bought).

ING direct is really awesome if you're bad about overdrawing your account like I am.