If you have just $100 laying around in a savings account, consider this: HSBC is now offering a 6% high interest savings account till April, and then 5.05% thereafter. That’s better than many investments right now! So, if you want to keep some assets liquid (e.g. not tie it up in stocks or CD’s) these are great high interest savings accounts.
If you use bank of america, considering them only for the checking and HSBC or CITI for the savings. It’s easy to sign up as well; just make sure you know your mortgage, car payment, and driver’s license.