So a few years ago, www.sofi.com was one of the few places where we could refinance my wife's students loans to a rate that was half of the feds saving many, many thousands. Then, we decided to build a pool and so I got a standard, no bells personal loan through them. Very reasonable rate. For my current home refi, I decided to give them a shot again and (so far) the process has been ultra easy and they had very close to the best rates out there. We should be closing on Monday. Since the refi started, I started looking at some of their other products. I am switching my banking to them. "SofiMoney" FDIC. 2.0% interest right now. It's all just a single account (no checking and no savings). Zero fees of any kind. (only fee I can find is a card replacement). They also now have a brokerage account. "SofiInvest" Again, no fees of any kind. Free trades and no management fees. Their explanation is that people have enough money in waiting, that they can utilize that money to offset fees. They also have a few dozen stocks where you can buy partial stocks (for free) "Stock Bits". If you want $100 of Amazon, you can buy $100 of Amazon. They also have insurance products (auto, home, life) , but it doesnt look they are available in Florida. Anyway, just thought I would pass along the info.