No. of Recommendations: 16
* I'll be displaying these as APYs since those are most directly comparable, even though the rate you earn be lower (unless you never make a trandaction).
* "MinBal" refers to the average monthly balance necessary in that account to avoid fees. It does not refer to the minimum initial deposit.
* "Savings" refers to the better of MMA or savings account.
* Limited to:
--- accounts where all information is disclosed on a public website
--- accounts where is possible to avoid all fees by keeping a minimum balance in the account
--- accounts where that minimum balance is $10,000 or less (I will only list a $10,000-minimum account if all accounts with lower minimums have less than 1% interest)
* Teaser rates are marked with an asterisk.
* All numbers taken from bank web sites, today. I believe these rates to be accurate, however please check them yourself -- I am human and I make mistakes!
* Account terms and conditions may vary greatly (billpay, ATM rebates, checkwriting privileges).

Bank Checking MinBal Savings MinBal
Amex 0.65% 2500@ 3.05% 5000 banking.americanexpress.com
BankDirect 1.25% 2500 2.00% 10000 www.bankdirect.com
BofInternet 0.50% 1 2.15% 1 www.bofi.com
CharterOne 3.50%* 2500 2.17% 10000 www.charterone.com
Discover not offered 1.80% 2500? www.discoverfinancial.com
E-trade 1.41% 5000 2.05% 1000 www.etradebank.com
FirstIB 2.05% 500 2.55% 4000 www.firstib.com
Hooch 1.77% 1500 2.03% 100 www.bankthehooch.com
IndyMac 1.25% 1000 2.71% 1000 www.indymacbank.com
ING not offered 3.00% 1 www.ingdirect.com
Legacy not published 2.75% 10000 www.legacybank.com
Nat'lInterB 1.20% 1500 2.30% 2000 www.nationalinterbank.com
NetBank 1.51% 1 2.75% 250 www.netbank.com
Nexity 1.25% 500 3.00% 1000 www.nexity.com
PCBanker 2.80%# 1000 2.40% 1000 www.pcbanker.com
State Farm 1.61% 2500 2.63% 1 www.statefarm.com/bank/bank.htm
Stonebridge 2.50% 100 3.00% 1 www.stonebridgebank.com
Umbrella 2.70% 2500 2.75% 5000 www.umbrellabank.com
WaMu 1.54% 10000 1.30% 5000 www.wamu.com
[note - wamu not available in all states]
Zions 1.75% 2500 3.05% 1000 www.zionsbank.com

@ Amex will also waive the monthly fee if you maintain a combined $5000 balance.
# PCBanker - only for balances below $10,000.
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No. of Recommendations: 0
JRR: My compliments on a truly outstanding job compiling deposit account rates. Thank you! SN
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No. of Recommendations: 0
USAA FSB is probably omitted from this survey because JRR7's survey is "..Limited to...accounts where all information is disclosed on a public website..."
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No. of Recommendations: 1
USAA FSB is probably omitted from this survey because JRR7's survey is "..Limited to...accounts where all information is disclosed on a public website.


Yeah it is a military secret
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