I heart USAA

If you have any affiliation with the military, sign up for every USAA service you can. You can find out if you're eligible on their site. I just got a whole year of renter's insurance, covering me up to $31,000 (including earthquake!), for $200! I also signed up for free checking and savings and when I say free, I mean free. You can use any ATM in the world and USAA won't charge you a fee, and at the end of the month USAA will refund you any ATM fees that you had to agree to to use another bank's ATM! Christ, I sound like Tom going nuts about Katie!