The main goals of my new setup are:
1. Automate bill payments and money transfers – ING DRIECT has these capabilities. It’s nice.
2. Take advantage of free services – BOA’s Bill Pay is FREE and easy to use.
3. Avoid fees – I pay no fees with any of these accounts.
4. Maximize interest – While I’m not getting the best interest rate compared with some online only savings accounts, I am doing considerably better than by only having my money in BOA.
5. Convenient access to ATMs and a brick and mortar bank – If I need to visit an ATM, both banks have these. And if I need to actually go inside a bank for any reason I can always find a BOA to go into.