Banking on the run

Banking is a hassle when you're in transition, whether you've just left college, been transferred by your company, or left your banking until 2 p.m. on the Saturday you loaded up the U-Haul.

The dilemma: You can't close your account with checks outstanding, but if you withdraw cash on your out-of-town ATM card - wham! those fees add up.

Some banks offer "relocator" programs with enticing interest rates on checking and savings to lure the footloose and fancy-free into keeping their accounts. Others steer customers toward online services, allowing customers to pay bills and transfer money. But these services are worth it only if you have no fixed address.

If you're moving in for even a few months, you'll save ATM fees by getting a local account.