[safari]

I agree with greedy4chips, you should open an ING account through a referral link and earn the $25 bonus. With the small amount of money that you have, the interest rate doesn't really matter, you should just go for the bonuses. For example, if you deposit $379.50 at ING, you will earn $16.70 interest after a year (4.4%), compared to $19.16 with Emigrant (5.05%). The difference is only $2.46 a year; it's not worth the hassle of opening another account. Also, if you add the $25 to your initial deposit at ING, the interest after a year is going to be $17.80, only $1.36 less than at Emigrant.