Online/E Banking

[I.A.S.K.]

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?