Switching banks from Wachovia to WAMU?

For the past several months I have been mulling over switching from Wachovia to Washington Mutual Bank. The primary reason for my switch would be the rates on savings accounts. I don’t keep very much in my Wachovia savings as I am accumulating my emergency savings in my ING Direct account. Would I save more in my regular savings if I earned more on the money? Probably. If I were to open up an Online Savings account I would earn 5% APY on my money. This is a much better deal than going into the bricks and mortar bank and opening an account to earn .25% savings. On the downside, WAMU does not have nearly as many ATMs in my city and that could end up costing me in fees. On the upside, I will not be charged for direct downloads into Quicken. I have started downloading directly from Wachovia’s site so that I will not be charged but it is not as convenient. I will make my decision by the end of the year.