I had WaMu when when I lived in Cali and they're on my top 10 list of companies to never, ever do business with. I do most everything with ING Direct. Their saving accounts pay solid rates and the checking account pays slightly lower rates, but has decent features. I like the feature of writing checks online...I type in the info, they mail it. I haven't been inside an actual bank in years. That said, my wife does have a Credit Union account that we use to deposit checks, which happens about twice a year. All my accounts are linked (ING, Credit Union, Paypal, retirement, etc.) so I just push money around the web and never have to deal with tellers. If you have to choose between BoA and Wells Fargo, I'll state that BoA is a fee monster, or at least was a few years ago. Schwab is getting into the banking side, too, with their main draw being refunding all ATM fees while giving 3%+ APY. Just my thoughts.