Citibank is about to apply a stiff charge to a banking activity I do very often with that account (transfer money to other institutions). I need to close this account quick, too, since the charges will apply monday, and this account is my only method of funding two other accounts. Actually 4 other accounts if I count Paypal and Ebay. So far I've looked at Bank of America and Bank of New York, and I'm not really impressed with either, plus their minimum deposits suck for the types of account I want. I already bank with Washington Mutual, and I hate them, so they're out, too. I need a free/no-minimum checking account that's very online-friendly. Citibank's online access has been pretty easy to use, moreso than WaMu's cluttered mess. I can't seem to think of any banks right now, though... Can you guys post up with banks you've had good or bad experiences with? Things like Wamu's cheesy multiple charges for overdrafting, Citibanks quiet implementation of charges and the occasional non-citi atm fee that appears whether you use the atm card or not, or USAA's awesome ATM fee reimbursement and purchase percentage points.