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Hi Jeff,

I don't have much insight to add, but I'll just pile on the praise for First IB. I've had them for over a year now, and their service really is excellent. One time I noticed that an ATM surcharge hadn't been reimbursed, so I emailed them about it. They replied in a couple of hours, apologizing for the mistake and immediately reimbursing me. It was just $1, and I wasn't even that upset, but they took care of it instantly. Now I'm a customer for life. :-)

I'd say stick with First IB. If you ever leave your job, having an existing online bank account will make things easier if you decide to dump your Bank One account.

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