I have at least two RCA accounts whose rates have dropped significantly. I've moved most of my money out of these accounts and transferred them to others paying better rates. These accounts are no longer available nationally so if I were to close the account, I couldn't just apply and get back in. It is a hassle to maintain the lower rate (i.e. debits). I would like to know what others are doing - keep the old accounts open in hopes that rates will rise when interest rates start coming back up or just close it? Thanks.