When I moved out to Albany, I decided not to get a local bank because I could get better rates from ING Direct, an online bank. It has worked out pretty well so far because I do all of my transactions with online bill pay. However, I need to get a lot of money to my lawyer for closing. ING doesn't do wire transfers nor certified checks and has a $5k limit per day on electric check transactions. That means I had to set up a week's worth of transactions. I could've had a paper check mailed, but that might've taken too long and I'm not sure they would have accepted it.
I'm just ready for this house crap to be done with.