ING direct for savings. I'm in California too, and use Mechanics Bank (http://www.mechbank.com http://www.mechbank.com) for checking. They have great service,

ING direct for savings. I'm in California too, and use Mechanics Bank (http://www.mechbank.com http://www.mechbank.com) for checking. They have great service, and they pay your ATM fees no matter which bank's ATM you use.