SurfNturf- I agree I love online banking. It makes my life so much easier.
To have to say that a great savings bank, is HSBC. HSBC offers an online savings account with a 1.10% yield. This account has no minimums or fees, but it does come with some restrictions.
You are allowed to use online banking services or the ATM’s to fund the account or withdraw money from the account.
However, this account does not give you access to tellers inside. But the interest rate that they are offering on the savings account is what you will find most banks offering for certificates of deposits.
At least with a savings account you have 100% liquidity, but with a CD your money is locked up for certain period of time unless you pay the interest penalty.