HSBC Advance

HSBC currently offers the highest rate I know of, and the fact that they are such a large bank is comforting. Also, they do offer a free debit card that will allow you fee-free use at any of their ATMs - unfortunately their ATMs are not everywhere (none in Utah for example).

On the negative side - they don\'t offer the easy-to-use multiple account feature that ING Direct does. Also, the account number they give you is quite long - 20 digits! - making it impossible to memorize. Further, if you mis-type it and/or your password a few times, you\'ll get locked out, requiring a phone call to unlock it. Their phone support is atrocious - I was on hold for over an hour both times I called.

The account setup was a little more complicated and longer than most others, but it wasn\'t bad. If you don\'t mind the poor wait times for phone support, they are probably a pretty good option.

I sent a couple emails and the only response I received was "we'll respond within 48 hours". I tried calling and the call got dropped for "techical difficulties" at least 3 times. When I talked with a representative she had no interest in listening to my questions and simply told me the I should manage my account online.

I'm very disatisfied with their customer service and their online account display is very minimal. I can't find pending transactions, the interest rate is not posted. The interface is clunky at best. I'm pulling my money from these guys and going elsewhere because they haven't provided a level of comfort that I can get elsewhere.