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[Chyna9]

Wowzers, I did not know that they used to charge percentages.
I would agree on low cost/no cost not being 'good' in the big picture. Things are in constant flux is the only constant.

I remember my first bank account when I was very young, paid a 6% yield on an everyday savings account at a small credit union. Most are less than half a percent now.

I recently found a local credit union that pays 3.5% yield on checking which is fantastic nowadays. There's a few hoops to jump to guarantee the rate but very doable. The best money is fdic insured money made on the money already made!