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I am going to consolidate all of my finances in one place. I like the feeling that I only have to go to one website or walk into one branch. Interest rates are so low right now that it really negates any advantage of online banking. For example, $1,000 would earn you $24.00 over a year, or $2.00 a month - not really worth the extra effort required to mail in deposits or deal with a bank that has no local branches (at least in my opinion). Even at 4% you would earn only $40 per year on $1,000, which is just over $3.00 per month. Still not really worth it.

I am considering Bank of America, Wells Fargo, Bank One, and my local bank. I am considering Bank One once again partly because they have Dallas Cowboys checking here in Texas, including a Cowboys-branded THE ONE Card. I actually banked with Bank One before and never had any major problems with them, but that was a long time ago and much has changed since then.

My credit union is a small credit union - they are just now working on internet banking and automated telephone banking. They just rolled out the VISA Check Card earlier this year. They have no ATMs now, but are looking to install one later on. They are paying 2.25%APY on savings (no balance requirements, no fees), and I believe around 1.00% or 1.25%APY on checking ($500.00 to avoid $5.00 fee). I might consider the credit union also.
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