I was sick of paying ATM fees. I love Bank of America, but I often find myself in need of money, nowhere near a BofA ATM. That means I have to pay fees to the bank's ATM I use, AND to B of A. Lame.

So I did some research and opened an account at First Internet Bank of Indiana. It sounds sketchy but they are actually really great. Their reviews on epinions.com are a solid 4 out of 5 stars.

First Internet Bank offers free banking, free checking, free ATM usage. Not only do they not charge any fees for any ATM I use, but they REFUND the fees that the other banks charge. So if I go to a random ATM and withdraw $60, that bank may charge a $3 fee. So First Internet bank sees a debit of $63. They divide by 5 and refund the remainder ($3).

Opening an account is simple. Fill out an application, mail it in with a check. In 5 days I got an email with my login, 2 days later I got my checkbook, atm card, and pin.

This may sound minor but it's actually quite nice to be able to use any ATM you see on the street. I highly recommend this as a second bank.