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Since I work for a CC, we have a great deal with a local bank so that all employees get free checking, and free ATM use. We even have the ATM's in our offices.

But, they don't pay any interest, and if you want the on-line bill pay you have to pay $6.95 a month for it.

So, I keep about $100-$200 in that account for easy ATM access, and then use NetBank for everything else.

Best of both worlds :)
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