you might want free checking which is hard to come by these days. you might want minimum fees and slightly better rates on interest rates. you see what options are available. you say before you take all of your money out of the bank keep two accounts open. at the same time. open a new account fund the new account keep your bulk of the funds to your new account it is a bit of a process. make sure they have the switch kit that is available. the switch kit will have a checklist and forms on there. it makes the process more cumbersome. the billing on-line how do you consolidate? it is so confusing. you get direct deposit that takes a while to move all that stuff over. you have money for your employer money for the government social