Interesting. Thanks. While I cannot stand BoA, and wouldn't want to change accounts to it, I just spoke with a relative who has both a checking and saving account. For an upcoming trip, I'll deposit some $$ into her savings account, she is ordering me an ATM card, and I'll withdraw those funds. When I get back, we will settle up. Hopefully she will be giving me back some money, so it won't impact her account at all. Perfect!

Yes, I am that cheap!