Originally Posted by Sly

There isn't really much to it.

Sign up for an online bank like ING, make sure the bank you choose does not charge fees for incoming wires. I use ING myself but I don't have any wires sent to it so I don't know if they charge, but I'm assuming they don't. Then you go into your primary bank account and request a transfer from your secondary bank account (in my case, ING.) These transfers do not cost anything (if your bank charges you for these too, move.)

Another option is to not transfer the money at all, just leave it in your secondary account. With ING I have a debit card, I have bill pay, and I believe that you can also set up the more traditional checking account but you would need to double check on that.

Main point being, you should not be paying your bank all of these ridiculous fees. They are total BS. I use two different local credit unions and neither of them charge for incoming wires or other silly fees. Five dollars here, $10 there... at the end of the year that adds up to a lot of money that you didn't need to spend.