I've been frustrated at times, the hassle of getting work set up for direct deposit (and I mean that. I had to establish a direct deposit program for my employer so I could have direct deposit. Yup, it's all about me), plus transferring all my bill pay and other info into citibank, has really made me wonder if it's worth it.
five percent on my savings is definitely worth it. That account will never have a lot of money in it, just enough to be an emergency buffer, but it's nice to know that it will be earning a decent rate.