I used to occasionally game banks for their account sign-up bonuses. You quickly learn how to set up your accounts so that it takes minimal effort to switch to

I used to occasionally game banks for their account sign-up bonuses. You quickly learn how to set up your accounts so that it takes minimal effort to switch to something else. A few tips to stay nimble and cover your bases during bank changes: 1) Don't use any bill payment services 2) Any automatic payments you do online, set them up for your credit card if you can (I'd recommend this anyway to take advantage of rewards) 3) Keep a detailed list of where your bank accounts details are stored for auto or manual deposits and withdrawals so when it comes time to change accounts, you have a good checklist to follow. 3) Think about setting up a permanent "home base" account that you can transfer money in and out of from other banks. The idea is that you'll always have this account, so it can be used to pay bills, write checks, day-to-day, etc. and you just funnel your direct deposits from other banks into this one.