I'm moving my money to my brick and mortar bank that I received a certain rate for 6 months. It would be foolish of me to leave money in these banks when I could be making more in my own bank. I agree that if you're going to use your time and gasoline to switch banks; you're wasting your time and energy. If it only takes a click of the mouse, you'd be foolish to leave your money in a bank making less.
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