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90% sure he is going with the USAA account. Free ATM usage, free checks, and (as you said) the transfers to and from banks is great. Still going through Amex for the saving account, though, I'm thrilled with them, and the 1.15% is better than most.
We're with Capital One for our savings at 1.1% but I think Perkstreet will be coming out with a competitive savings account in the near future. Time will tell.
Perkstreet lowered their rewards from 2% to 1% to those of us that qualified. It's not really that great of a bank except for the rewards and now that they've lowered them I'll be closing my account.
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