Subject: Re: O/t, banks and their cost of deposits,
It's incredible what banks, brokerage firms, and other financial institutions are, offering, to hold on to and attract money.

Are you speaking of account opening bonuses in this? My impression is that the bonus opportunities are down both in availability and in amounts, compared to a couple of years ago - and in many cases the return on a bonus + near-0% interest rate account is actually less than just putting the required funds in a 4.5-5% account at another institution. Likewise brokerage bonuses are sparser (though Public had a period last year where they were offering $10K for transferring your account, and then for some reason they doubled that bonus in my case - not that I'm complaining).