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You might look at NetBank. Their NetValue Checking offers:

** No minimum balance requirement
** No monthly fee
** 2.02%APY on all balances (this is not an introductory rate)
** Free bill payment

You should be aware, however, that there is a $3.00 per month inactivity fee after 3 consecutive months of inactivity. There is also a $5.00 per month bill pay inactivity fee after 3 consecutive months of no bill pay activity. Another fee to watch is the $25.00 fee for closing an account within 6 months of opening it.

NetBank's online banking system is not real-time, but their telephone banking system is.

Click on the link below and you can get a $50.00 bonus for opening an account. The account must be opened before 12/31/2001.

http://www.netbank.com/promotion/direct.htm

The bonus would be deposited into your account within 30 days, as long as there is at least $50.00 in the account.
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