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From your reply I just realized that I left out another rather important factor. I want free bill pay! (grin)

Certain accounts at B&M banks (such as the Bank of America California MyAccess account) offer free bill pay if you have direct deposit, and you may find their ATMs more numerous and convenient.

However, their interest checking won't be close to NetBank's.

Maybe NetBank is a good solution for you?

-- Mark
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