Even interest checking and savings account have gone down everywhere, Bank of Internet 2.60% APY Checking has been quite competitive right now.
Some of the Account Features:
* Competitive Rates
* FDIC Insurance
* ATM reimbursement (up to $8 per mo.)
* Free online bill pay
* Online check and deposit imaging (5 yr archive)
* $500 minimum to open
Be sure to open the Bank of Internet Checking first, then get their 3.51% APY Savings account. I believe this is the 3rd highest in the country! Not only the 3.51% APY on all balances is excellence, the $100 minimum deposit requirement is low. There is no monthly maintenance fee and the ATM card is available for all customers. The interest is compounded daily and credited monthly. Although there is no ACH transfer service available within your account, they do accept ACH transfers initiated from another bank.