Brokers banks

Fidelity Investments
- mySmart cash account
- 3.5% interest rate

Charles Schwab Corp
- Invest checking
- 4.25% interest rate

E*Trade Financial Corp
- MaxRate checking
- 3.25% interest rate ($5,000 in average monthly balances to qualify)

Do these high interests and other perks outweigh the hassles of switching from your local banks?

Direct deposit and automatic payments have made it trickier for consumers to move their primary checking account to another firm.