So today, I signed up an account with a bank that offers no-fee every day banking. Beats paying my current bank 10.95 a month just to keep the account open. I don't know why they charge people money, because quite frankly, without our deposits they wouldn't be able to run their lending businesses in the first place. Anyway, no fee banking makes me happy. Next step is to close my with-fee bank accounts. I'm concerned a bit over closing my Visa account, but I'm going to ask around first. I'm pretty sure I can just apply for a card directly from them, as opposed to through my bank (which is what I currently have).