I have been banking with Washington Mutual since I was a child, with my first Savings account. I have recently upgraded to the Free Checking, from a regular checking account. The Free Checking doesn't offer you any interest rate, but, they do waive one overdraft fee a year. I love the online bill pay. You can set up as many payee's as you'd like, and pay all of your bills with just a few clicks. I think it's great that you can see what day your payment will be delivered, as well as proof for every transaction, with an individual transaction number. You can transfer funds online, and even order statements up to six years back. They take pictures of each check too, which is great. I enjoy the customer service they offer, although many times I have to go to supervisors. I definitely will be sticking with my Washington Mutual Free Checking.