sfbaybanker

I've got a couple referral coupons left to send out -- you can get $25 for opening your account. Just drop by a branch, let them know you're in a hurry, and they'll be super-efficient -- I was out in 15 minutes.

It's a classic FREE checking. You can't get it on their website. No fees, no direct deposit required, no minimum balance. Free online banking, free online bill pay. Plus they can offer you great credit deals (I also got an offer for a cheap auto loan at the same time) at the point of sale.

Find a branch at: http://www.uboc.com/...85_2865,00.html

Takes $100 to open the account, but if you bring cash, you can withdraw that money later that day. There's a fee for closing an account during the first 90 days, but apparently if you make a big deal (say you had a bad service experience), they'll waive it to avoid negative word of mouth. So I'm told.

Email me at [email protected], and I'll send you a referral coupon.

Yay for free money from banks!