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Commerce bank is good. Check E-Trade too. They just rolled out a savings account with a 5.05% interest rate and a checking account with 3.25%, no fees no minimums on the savings. The checking account you have to have direct deposit of 200 a month.
As for the bank, agree with CoMoChief, threaten to take your business elsewhere, odds are they will wipe off the at least some of the charges. They want to try to keep you as a customer. Hope that helps a little bit.
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