>worrisome
Yeah. As it turned out, I couldn't get an ATM-only card on the checking account *BUT* I'm told there is an option to get one limited to 3 withdrawals per month on the savings account. While that's an inconvenience, I think I'm going to have to live with it. Because interest on accounts and CDs is practically non-existent, I keep fairly large sums in checking. I'd be ripe for some Texas trooper to claim I was a drug lord.