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Holden Lewis' work for Bankrate has won national awards from the Society of American Business Writers and Editors and the Society of Professional Journalists.

If you're like most people, you conduct your financial affairs as you did a decade ago.

You visit a bank branch regularly.
You receive and pay bills by mail.
You juggle monthly statements from banks, lenders, credit card companies and brokerages.

Although you may be satisfied with the tried and true, you might want to consider online financial services. You'll probably be pleasantly surprised -- some save money, some save time and a few save both.

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FEATURES

	Online banking Online-only banks (also called virtual banks) offer an alternative to traditional banks. Of course, there are pros and cons. More		E-mailing money You can e-mail money to a friend or to an online auctioneer with ease. More
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	Online lending Some online financial institutions concentrate solely on lending. Doing business online saves money, so they can lend at attractive terms. Here's how it works. More		Receiving and paying bills No one enjoys paying bills, but new services can take the frustration out of the process. More
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	Online account aggregation Account aggregators allow you to log onto one Web site and look up your bank balances, credit card payments and investment portfolio. More		Going once, twice ... sold! The yeas and nays of online auctions Everything you need to know to jump on the Web and start bidding. More

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NATIONAL OVERNIGHT AVERAGES

Interest checking	0.53%
MMA	0.49%
$10K MMA	0.53%

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