I started the process of moving my Roth IRA to Schwab as I dont have the spend to make a 2% to 2.25% difference worth it and my brick and mortar offers a 0 AF 2% card. Ill close the rest once my CCR Sub is over, ill move my reoccurring charges from my PR to my Quest then cancel the PR. I am not gonna deal with the Merrill/BoA interface annoyances for maybe $100/year over a 2%.