We opened a new checking account at a bank right downtown, just 1-2 blocks from the post office and the library. It's in a very nice bldg with excellent A/C on a super hot day. They had sent me two ads in the mail, offering $400 cash bonus if we opened a checking account with direct deposit attached. Hey, that's a lot better than a toaster, so we decided to give it a try. Free enterprise comes up with nice incentives!!