Interest Bearing Checking For Real?
I have been researching checking account all day and I am learning but still confused. I have had a traditional checking account with a brick and mortar bank for years and I am thinking about closing the account for a better one. I'm looking at Fidelity, Salem Five Direct, ING Direct and Washington Mutual. I was looking at all of these interest bearing checking accounts and that caught my eye since they are free and loaded with benefits. My question is they all appear to be tied in with a savings account and it looks like you must move the money from the savings to the checking all the time and it can take days for the transfer to happen. Can anyone comment on this? My current account is worry free my pay check is deposited twice a month and I write checks on it and us my debit card. I like the idea of free interest bearing checking but I believe it could become a headache having to transfer money from savings to checking all the time. Are these interest bearing fee checking account legit or a pain to deal with? Thanks.