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I still have a Bank of America account that has a service charge waiver on it. I use it for deposits sometimes, or sometimes I just send them to USAA in the mail deposit envelopes. If BOA started charging me a monthly fee, I wouldn't have any problem cancelling the account and mailing everything to USAA; my deposits make it in 2-3 days without fail.

I would still use ING as my secondary emergency fund (keep $1000 at USAA savings for OD protection and immediate emergencies and everything else goes to ING).

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