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Continue to bank at the bank with the mail-in/rebate policy
Switch banks ONLY if you found similar rates/fees with auto. rebates
Accept slightly lower interest rates for automatic rebates
Accept slightly higher fees for automatic rebates
Accept lower rates and higher fees for automatic rebates

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zskii,

I troll here; but don't post much. I'm interested in full service online banking because of the potential savings over a B&M institution; but I've not made the leap to on-line only. I use a local B&M CU and ING Online. The first is a B&M institution that is also available online; the second doesn't really offer full banking services despite being FDIC insured. In the past I've used an E*Trade money market in place of ING and have considered using Vanguard for the same, so there are certainly good online alternatives for stashing cash and they don't have to be full service banks.

Convenient and unencumbered access to my funds is a serious concern. But I'm also willing to sacrifice interest income on my checking account to avoid paying fees -- mainly because the fees aren't tax deductible and because I can transfer my excess cash to another, higher yielding account for efund/short-term savings.

You might convince me to switch to a pure online bank if I was certain the additional returns and reduced cost for billpay (I pay $5/m now, also my only bank fee) was worth the hassle of not being able to deal with a teller face-to-face. ATM fees and rebates are unlikely to affect my decision significantly. If ATM fees are a problem, I'd keep a CU account open, use their free ATM network and funnel funds to/from my online bank through ACH transfers. Obviously free in-coming and out-going ACH would be a requirement for any bank I choose.

As for your poll, the question seems to be directed at customers that insist on being online only. Since I don't really fit in that category, it was probably unfair for me to vote.

- Joel
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I wrote, I troll here...

My bad. I believe the correct slang term is lurk. I lurk here... Mostly. I don't really have much to contribute; but I do have an interest.

- Joel
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Yeah troll is a bad word here.

Just waiting for the volcano to explode.
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I'm sure zskii will jump in on your post, but I'll try to beat him to the punch! Try USAA 1-800-531-BANK. The ACH feature may be just what you're looking for!

http://groups.msn.com/onlinebanking/usaa.msnw?action=get_message&mview=0&ID_Message=1238&LastModified=4675355787700287538

silverwing
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