I've been banking with AZ federal since I was maybe 16 because my parents had accounts here. I just recently opened up a checkings/savings account over at Discover Card (yes they are a bank too) and guess what!? 24 hour customer service, free checks, and the best part... No monthly FEES. No $3 a month BS, no waiting forever to speak with someone, no limited crappy customer service with small windows for time frames. Gonna close this dumb account & switch all my banking to Discover Bank. Adios!!