Like many on this board, I'm keeping only a small amount in my X.com checking account and an even smaller amount in the money market. Still, I'm not ready to jump ship or join in the anti-X.com hysteria. My specific concern was that their software is buggy and that the new money-access restrictions are making this supposedly user-friendly bank incrementally less user-friendly. I owed an amount less than $50 on my credit line, yet one of the screens said my minimum payment due was $50. Along those lines, the company's explanation of how it determines when payments are due is a bit taxing. I'll continue to use X.com in small ways. But based on its early performance, I'll continue to use my local bank for checking. One thing I will say on X.com's behalf: The debit card works nicely and they always post the rebates. If only they'd work out the bugs . . .