Nice! I like how you are going to keep the old account open for a while. I’m always paranoid about forgetting about some bill somewhere I have scheduled. Reminds me that I need to keep better track.

I keep meaning to do the same thing with my bank accounts – and I feel a little wary having my mortgage and savings account at the same bank. I think it may be time to switch banks soon.

I think its a worthwhile endeavor, though I’m sure it’ll be a pain in the butt. Keep us posted.

I see your point, it’s just that my bank has this (new) endearing little habit of rearranging my debits and credits so that I get hit with their fees. I’ve been making the same automatic deposit for over 7 years (the 2nd and 4th Thursday of the month) but they recently decided to hold a deposit until the following Monday. Yes, they refunded their fees back into my account, but I still had fees from the merchants I had visited over the weekend and had to fight with them over those. That deposit should have been “live” on Friday morning like it was for the other 150+ times. They did this twice.

Plus, though they have an extensive ATM network, they’re not everywhere. With my newly planned banking arrangements, I’ll get 100 percent of all ATM fees refunded.

Well, I know the feeling… JUST DO IT! Don’t think it twice!

ATM fees and overdraft fees are your own fault. That just seems like carelessness to me. You should be aware of the bank’s policies before signing up. that’s one reason why, when i need cash/spending money, i withdraw the maximum $400 from the ATM so as to minimize the chances if exceeding the bank’s limit on ATM visits, which i frankly find ridiculous.

I share your disdain for banks i general, big banks in particular. I would advise a credit union or community bank, which will treat you better in every way.