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Even though most of my banking is at one place, I did open a rewards checking account at a Credit union for 5.09%, have to use the debit card 12 times a month, online banking, direct deposit or auto debit or online billpay, and online statements.
This year it's gone down to 4.09%, but that's still the best interest rate around, and after I do the 12 debit transactions it's a savings acount for me.
I could never do keep the change because there are littleally months where I need every penny I've set aside for spending.