I’ve been an early adopter of services such as Mint to track my spending but I have just never been able to get around to switching my checking account out of the mega banks and into a more web friendly, agile resource. Finally it seems that the Internet is penetrating the previously fortified world of consumer banking. PerkStreet one a slew of new players in the start up web based banking field, is staffed by laptop totting hipsters in casual clothing, paid partly in stock options working on nice Ikea blonde furniture. Gotta love those startups! The perks? Better rates on almost every instrument than a mega bank, given its high overhead for advertising and inefficiencies, can afford. Other companies include Square Inc., launched by Twitter cofounder Jack Dorsey, which is offering a free app and thumb-size credit card scanner that plugs into a smartphone or iPad, allowing almost anyone to accept credit card payments. The revenue model is also decent: 2.75 percent of every transaction.