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It really depends on how much you're putting into it. On $10 000, for example, that 0.2% adds up to a whole $20, not really worth worrying about. But on $50 000 it starts to add up a bit more, the 0.2% being now worth $100, all assuming simple interest. Also worth considering is that banks often only insure up to a certain amount; around here it's generally $60 000, so if it's more than that I'd have to go with an insured investment.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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