You will pay more in overdraft fee's than is possible to earn in interest. Even if you maintain a high balance the accounting department makes errors which translates to fee's. If you monitor your accounts daily, take aggressive action when unwarranted fee's are applied then you may avoid being continuously looted. Bear in mind the Manager doesn't like to be bothered and Emailing and telephoning personal banker's is near impossible but crucial when assessment's can only be altered before the close of the loby hours so hustle. If you are forced to bank by mail and online as I save yourself the trouble of banking here. I have a business account, 2 personal accounts and a savings. I am forced to do my banking from long distance. This morning as is usual I contacted my personal banker to transfer funds. She has a Email that says she is still out of the Office although she is back and NEVER picks up telephone calls they all go to voice mail. The associate she referred me to I did speak with blew me off by returning me to the voice mail that may or may not get answered today. If it does not I will incur fee's even though I was assured such transactions would be cheerfully performed when the accounts were opened. That was under the condition that we would be soon using a accounting firm to perform the transfers. When you are forced to bank long distance as I the situation soon becomes that of being held hostage for your own money. You can't just drop everything from a 1000 miles just to close an account. But be warned if you do they could care less and will only endeavor to cover their own butts but could care less of the needless stress they have caused and if you own your own business that is the last thing you need.