About two months ago I opened an account with ING when their rate was 2.35% I started noticing local banks offering 2.5% for money markets. Then I saw Emigrant Direct offering 3.0% Asked ING when they were going to step up. Got the same canned response that everyone else got. Went immediately to Emigrant Direct and open an account. I will admit that the process is a little more difficult than ING but ED also uses postal mail for part of their security rather than relying only on the internet. I will say this, pay attention to what they ask you to do, follow the instructions and everything will work. I have 95% of my money at ED and 5% at ING just in case. Now ED has raised their rate to 3.25%. Where is ING? Doing nothing I guess. I am very happy with ED and to those who continue to post bad things about ED....I honestly think it's ING employees doing the postings.... They can't compete with interest rates so they do it with bad postings. And to ING who states they have paid the highest rates for 4 years......Past performance is no guarantee of future gains!
I LOVE EMIGRANT DIRECT! 
No I'm not an ED employee just looking to get the most for my money. IMHO if people are choosing an online bank because of the $25 to open an account then they are in the wrong place. Go to a brick and mortar office. Whether it is an extra .2% or .45% or something else, it adds up when we are talking large sums of money. A lot more than $25. Me personally, I'm not shopping around for customer service, I am shopping around to grow my money. For those who are skeptical about ED, it only takes $5 or $10 to open an account and try it out. Keep accounts at ING and ED open and go where the interest rate is.
For some reason I think there is this huge sucking sound going on at ING like a vacuum pulling all of the money out and sending it to ED.......