I have a small online business and I use CDG Commerce to process credit cards. The money goes straight into my checking account. Now I have another one and I want to switch from PayPal Pro to also use CDG Commerce. But I want to keep the deposits separate. I tried opening a savings account at my existing bank, ING Direct, but they can't send a letter to verify that it accepts ACH deposits, so CDG can't work with it. So my question is: Can anyone recommend an online bank in the US where I can open a checking account, so that I can have CDG process payments for my site? Thanks, Fred PS: CDG gives a better deal on transactions than PayPal Pro and PayPal keeps 1/3 of each transaction for 3 months locked up--CDG doesn't.