You also have to love the federal rule that went into effect this year wherein you cannot have more than 6 withdrawals per month of YOUR savings or you will be charged a fee from your bank. WTH is with that? It is my money and I should be able to move it to and from my savings as I want without the Feds telling my bank they have to charge me a fee. Not that I move money out of my savings more than 6 times a month, but it is the principle of it.
I actually closed my savings and opened a second checking account (no monthly charges), and while I may not earn my few pennies a month, at least I can withdraw money as I want without penalty.
Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)