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If you truly are in Southern California, Bank of America has a no-fee account called either "My Access Checking" or "Versatel Checking" (if you are willing to do the majority of your business on-line or at one of their near 15,000 ATM's). While it's not as attractive as some of those interest-bearing offerings my good friend GoCowboys posted earlier, at least access won't be an issue for you.

Good luck, and stay tuned! ;-)

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