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Hmmm...

If at all possible, I would like to keep my accounts to a minimum so as to minimize paperwork and confusion. Having to open and transfer money to and from other accounts to deposit and withdraw from an online banking service seems like a pain in the ass.

It's possible that online banks aren't for me, although if I do go to another B&M I'd need to have online access to my account. Are there any B&M branches that offer free checking? I'm guessing that it's practically impossible to find one due to higher costs, but any suggestions appreciated!

Thanks again,
--mwp
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