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发帖数: 5282 | 1 最近讨论得比较多了，现在再抛砖引玉，欢迎补充。
大家都希望没有月费，可以免费bill pay，minimum balance要求低，利息损失小。
根据以上基本要求，可以考虑下列银行/brokerage：
1. Presidential Checking, 4% APY, $1000 min, Need $200 DD,
can work with Presidential Savings (currently 4.9% APY).
2. Wamu Free Checking, 0% APY, $0 min, free outgoing wire transfer,
can work with Wamu Online Savings (currently 5.0% APY).
3. UFB Basic checking, 0% APY, $0 min, ATM fee reimbursement,
free stop payment,
can be overdrafted by Absolute Savings (currently 5.31% APY) for free.
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