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Okay...I haven't read any of the posts here, I was refered here by the LBYM board and I'm hoping you can just help me decide if I really want to go to online banking and if so, which bank.

I currently use your average no interest checking, almost no interest savings, bricks and mortar bank. I rarely use the ATM, but this bank has lots of them, so I never have to pay $4 in fees to get $20. Because I have direct deposit, I rarely go to a branch and I have no monthly fees. I don't have online bill payment, although I'm gaining interest in that, but I do have online access to transfer funds and view transactions (this will be necessary with my next bank because I only use my register for checks and not ATM transactions.)

I'm looking for:

-no fees
-high interest
-online bill pay
-online access to records and easy access to transfer my money within accounts
*Please let me know if I'm forgetting something important!

I'm not sure if I'll go with a money market and checking or just one or how I should address that so suggestions will be helpful. Let me know what bank you use and what fees are associated!


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