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I have a Amex savings account. It works very similar to ING Orange Savings. You still need to link it to an existing bank account; possibly only checking. It's a non-brick and mortar bank situation.

And right now, the rate is very close to where they're offering the same APY.

I would say either ING or Amex would work. It's going to the setting up the account link that may be your biggest hurdle, other than lack of income to deposit.
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