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Hi Gary,

Looking over your requirements, I think that three banks might meet your needs. You already mentioned FIB www.firstib.com . PC Banker is another good bank. The third may be Bank of Internet www.bankofinternet.com (I think that's the web address) IF you're over 45. Check it out.

All three offer high interest rates (with a minimum average daily balance), debit cards, atm refunds, and free bill payment. PCBanker and FirstIB offer credit cards, and I'm unsure if Bank of Internet has credit cards.

ING is a good place to store extra cash you don't need quick access to.

Good luck!

silverwing (for the record I bank at www.stonebridgebank.com )
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