There's a new online bank called GoBank.com that I want to let you know about. This is a mobile banking option that has eliminated overhead by eliminating branches and passed the savings on to you.

That means no fees for mobile deposits; free withdrawals at more than 40,000 ATMs; free bill pay; and more.

I love banks like this because they take the idea of a "bank" and completely clean-sheet it. Whatever customers like, they keep. Whatever they don't, they do away with!