I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.