I’m firing Citibank. They just aren’t a great deal anymore for my money. I’m looking at Washington Mutual instead, and some of the other online banking as well. Much better deals to be had. Sometimes you have to remind yourself that you are lending your money to the bank with these accounts, and they ought to be paying you. It’s not like you get to charge the bank fees when they loan you money, after all. I poked around the net, and settled on Washington Mutual Online Banking as the best option out there. They pay great rates, and don’t charge those ridiculous fees. Who cares if the big banks have more ATMs when they will refund your ATM fees from any other Bank? Now I can use any ATM in town. In fact, I think most people would be better off switching to an online bank.