[joseblanco]

Yes, I concur w/ good saver but also you do not want to just keep chasing the rate and have a zillion accounts along the way. You must go with what is most convenient and comfortable for you. I was ING loyal until Emigrant went to 3.25% and ING did not match and was slow to at least close the gap. I always had presidential internet checking because of the high rate and the fact I could write checks, use an ATM machine etc. Now that presidential has savings with a high rate I'm considering consolidating, but they do have ceilings so you get a lower rate when you go beyond, but its still respectable. ING & Emigrant both do not have ceilings. I do not like doing alot of EFTs over the web, despite all the security so presidential lets you keep it all in house, up to 60k at very good rates (3.25% checking & 3.5% for savings).