Banks offer piddly interest rates for keeping our dough with them. But in October 2011, the Reserve Bank of India allowed banks to tinker with their interest rates as they wished. Puneet Kapoor, the Executive Vice President at Kotak Mahindra bank offers his views on whether it might be a useful option to consider parking some money in some bank accounts too. But alas, switching bank accounts is a headache. Apparently, not so much, as banks are smartly coming up with easy solutions to help the customer make a seamless transition.