The smartest thing I ever did with my money was move it to Alliant Credit Union. Anyone can join via PTA membership of donating to an orphans' fund on their website. They have one day ACH in and out, excellent customer service on the phone and pay a competitive rate on their savings and checking accounts. They are part of a web of credit union ATM machines that are surcharge free (i.e. at 7-ll Stores) most of which also take deposits (checks only, no cash). You can't do much better than Alliant.
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