I just locked in at 4.5% APY for 1 year at KEY bank. I could have done better elsewhere but DW likes the idea of banking locally. Thanks to tips read elsewhere on this board, I asked the following questions while we were shovelling our bucks across the desk:
Can you remove the monthly service charge from my (seldom used) checking account? "Yes. Infact I'll reverse last month's fee."
Do you offer coin counting? "No. Sorry."
I was going to ask for a toaster but DW would have been embarrassed.
Also worthy of note: Remember how, after opening a jumbo account, you'd get a call from the bank's "Investment Advisor"? Now they are short cutting approach. The VP gave us the pre-printed option of splitting our principal among 4 mutual funds :
She recommended that we not do that since those funds now are paying less than 4.5%. :P