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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