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As already mentioned, Presidential Bank offers a great 4.5% APY checking account, but a monthly direct deposit is required, the bank does not reimburse ATM fees imposed by other banks, and the depositor must pay the postage on any deposits mailed in. The 4.5% rate applies only to the first $25,000 on deposit, although you can also open a savings account with them that currently offers 5.25% APY on the first $35,000 on deposit in the savings account. Transfers between accounts can be effected instantaneously, either on line, or by calling the bank toll free. If you're looking for an account that offers limited checkwriting, but comes with ATM fee rebates, check out www.gmacbank.com.