I think most people are worried about changing banks because their current bank hits them with annoying fees, and they don't want to double the problem by having two banks. But online banks (along with small local banks and credit unions) do not charge monthly fees. You can open a new account with a small deposit, receive a new debitcard/checkbook, and then slowly transition. The only squeeze you'll feel is the minimum balance requirement at your legacy bank as you split your balance to cover transactions at both places.