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For $1 each and a bit of time, you should have an account at all 3 - ING, emigrant and hsbc. In your case, you can even do a couple of others with higher balance requirements and then with a few keystrokes, have you money where it's making the most money :)

I think you're right. So, one question:

Can funds be transfered between ING, HSBC and Emigrant directly, or does each transfer first have to go through your originating checking account?

...but I still am...

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