Does anyone have any experience with opening accounts using an online bank? There are several banks out there that offer a higher interest rate than what I can get locally. Some of them don't require a minimum to open. One drawback is that it could take up to 4 days to access your money if you had an emergency. But I guess that could also be a good thing, you can't just grab it and spend it on a whim. I am just not sold yet on the idea of banking and bill paying online. I still like to go to the bank and I still like to lick a stamp and mail my bills. :)
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