Someone's keeping secrets! Here's who and the 10 things they don't want you to know

THESE DAYS, credit-card rewards programs are old news. The latest and greatest perks are now attached to your checking and savings accounts.

With the rise of Internet-only banks and bricks-and-mortar mergers, it's become increasingly easy for customers to swap their accounts for a better deal, says Lisa E. Phillips, a senior analyst with eMarketer, a market research firm. "People are looking around and saying, 'What can you give me for free?'" she says. And that makes banks nervous. They're enticing customers to open an account -- and stay for the long haul -- with financial incentives such as generous savings rates and fee-free ATM usage.

We've tracked down four financial incentives you want to snap up. After all, you only need one toaster.

That said, more banks are waiving or reimbursing those pricey charges. Washington Mutual never charges you for using a foreign ATM; while Wachovia and SunTrust both waive two fees per cycle. There's a catch, however - though you won't incur fees from your own bank, you'll still be charged by the other bank.

Bank of Internet, however, reimburses account-holders for a set amount of the ATM fees other banks charge. With a Freedom Checking Account, for example, you'll be reimbursed up to $7 per month. Since most banks charge nonaccount-holders $1.50, you'll get four free trips to the ATM.

Without the extensive ATM networks of bank chains, individual banks are at a disadvantage -- their customers are constantly racking up foreign ATM fees. But some of these banks are getting around fees by sticking together. Electronic payments network NYCE has created SUM http://www.sum-atm.com/index.asp, an ATM network that individual banks and credit unions can join. So if you're a member of the Howmet Credit Union in Whitehall, Mich., for example, you get free use of any of the more than 2,800 ATMs at member institutions nationwide.

• Bank of America Keep the Change. Every debit card purchase you make will be rounded up to the nearest dollar. The change is deposited into a linked savings account. For the first three months, Bank of America will match your contributions. Though it's really a forced savings strategy, it's been a popular program with consumers, says Genie Driskill, COO of Synergistics, a financial-services research firm.
• Citibank Thank You Network. You'll rack up points for all your purchases, plus additional points for the accounts and services you use. Just having a checking and savings account earns you 50 points each month. Add in direct deposit and online bill pay (both free), and that total jumps to 150 points each month. You'll also earn one point for every $2 spent on signed debit card purchases, and one point for every $3 spent when you use your PIN.
• Visa Extras. Numerous banks -- including Wachovia, Commerce and U.S. Bank -- offer this program via your debit card. Typically, you'll earn one or more points per $1 spent. (Earn bonus points by shopping with select retailers through the program web site. Target, for example, yields 20 points per $1 spent.) You must sign for purchases, rather than type in your PIN, to earn rewards.
• Washington Mutual Free Checking. You'll get three cents back on each debit card purchase. The money will be deposited into your account annually.