I don't know if this is a taboo topic, but where do you keep your savings/checking accounts? Now that I'm a "independant contractor" I no longer have direct deposit, and it looks like I'll be hemorraging money with my skank of dumerica accounts, which have otherwise served me well despite generous fees. I saw an ad for a no-fee checking account somewhere, but I forgot where it was. I want to avoid fees (but am good at managing my account), get a reasonable interest rate, and I like having easy access via ATMs. Part of me would like to get away from my current bank just because they are SO huge it's scary. so what's the poop? ING direct, Wachovia? something else?