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When making a deposit at our local branch yesterday, I inquired about the current interest rate on our MMA. I was disappointed to see that it had just dropped 0.35%. I talked to the bank manager and said we'd have to close that account if the rate is so low; she said she would call someone higher up in the organization to see if they could keep our rate at the higher rate. I have a feeling that they are going to say no because it is a such a large bank (our deposit is peanuts to them).

However, I have successfully negotiated higher rates with smaller local banks, especially on CDs. So, it never hurts to ask for a higher rate.

Also, don't be afraid to take your business elsewhere.

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