[ruthie]

Originally Posted by Broken Arrow

Bank of Internet is offering 3.40% without a minimum balance (or $1).

But they still say "A $4.00 monthly maintenance fee is charged if the average daily balance falls below $1,000."
Presidential charges $5.00 if your balance falls below $1,000, although you do have to open an account with at least $1,500, it's not like the $1 minimum for Bank of Internet is really a great deal.

I've been thinking about Presidential myself but it seems that I would still want to have a local bank because the only way to deposit $ outside of direct deposit is through a electronic transfer from another bank or mailing in your check.