we are closing the deal on our new car today... of course not without some extra stress. This is the last day the dealership we are working with will honor the Cash for Clunkers program, and our loan check from PenFed hasn't arrived.

We are going to get a check from a HELOC we have with a local credit union and refi into an auto-loan with Penfed once we have the title. I don't want to miss this opportunity.

edit: As much as I have benefited from online banking, there's something to be said to having access to money locally as well.