I’ve been looking into online banks lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. Sometimes you have to remind yourself that you are lending your money to the bank with these accounts, and they ought to be paying you. It’s not like you get to charge the bank fees when they loan you money, after all. I’ve been checking out Irwin Union Online Banking. They’re a pretty good deal. Low fees, good rates, good access. And I can use any bank’s ATM. I know some people have issues with not being able to meet their bankers in person, but honestly I don’t really care about that. In fact, I think most people would be better off switching to an online bank.