I have to disagree with @collegemom3717: If something goes wrong, there can be a benefit to being able to walk into the branch where YOU have an account and being able to talk to the manager of YOUR branch rather than being one of a million customers of that multi-state bank around the country. Trust me. People still matter sometimes, and online banking is not the answer to everything. Also, there is often a big difference in transferring money between accounts in the same bank [potential delay] as opposed to transferring money between linked accounts [no delay], which was the reason for my post and my recommendation. You do what you want to do.