Banking
 

I also do online banking and love it as much as everyone else here. I use the same features as everyone else does.
My bank also has this portfolio feature where it automatically calculates what you spend most of your money on. For example if i deposit $1400 in a month and I spend 140 on lets say food (going out to eat and grocery stores etc.) It will show me a pie graph of the break down of my spending (food, transportation, communication, entertainment etc.) and a chunk of the pie will represent food and it will say 10%. The graph is also color coded. It will show you stats for the month a few months a year or whatever. As a stats junkie (somewhat) I love this and it is also a big visual that will show me when I spend too much money on something like entertainment so its great for budgeting.
My banking questions are:
1. does anyone use the checking accounts that pay you interest? I know Charles Schwab has one and some other places do as well. They say that they give you a good return rate I think like 4% was advertised and they dont charge for atm withdrawls. I dont know b/c I've never used it and I dont know anyone who does.
2. Anyone know of any banking institutions or credit card companies with good rates for college students who are trying to build credit?

The paypal account isn't really too convenient if you need the money real fast. It takes 3-5 days to pull the money from your account to the paypal account, and it also takes 3-5 days to transfer from paypal to the other account. I only use it because I'm lazy, and I hate going to the bank. I also use it because I don't need to use the money right away.