I didn't read all the posts because it's late and I'm tired. However, I did read the first post and since you live in the DC area, I recommend that you check out Acacia Bank - www.afsbonline.com. They're located in Falls Church off of Rt. 7 near Tysons/495 exit. They refund upto 10.00 in ATM fees/month and if you keep a minimum balance of 1,000 they don't charge you. You won't earn any airline miles, but it's worth it if you use cash - i've got 2 accounts with them so I can get upto 20/month refunded.