Internet Banks: Experiences

[pennypinch]

Just looking at moving my money to an Internet bank, simply because I am sick and tired of paying for something I shouldn't be paying for (i.e., lending money to an institution). I've looked around and am looking very hard at the Internet Bank of Indiana: very highly rated on Gomez, no fees, interest, etc. Does anyone have any pros and cons of doing business with Internet banks?

[WebMonkey]

I've done Bank of Caroline for $50 from Gomez
$75 from Gomez for 1st Internet Bank of Indiana (but think the banks service fee mistakes blew my rebate !! see my other post on that story)
and the last deal was CTI/FI for a palm piolet iiie and another CTI/FI for a gomez $100 rebate. Also did the AMEX Blue and got the reader/Writer and 0%int for a few months.

out of all those I have received only a letter from CTI/FI that I qualify for the Plam iiie but they are on back order.
1st IB of Indiana I got my service fees back so they had my $100.00 for 90 days INTREST FREE !!!