Breeze offers the flexibility that goes along with customizing the way you see your money over the internet, as well as how you move it and how you manage it (i.e. keep track of it). Breeze Online makes sure that you are the one who is in the driver’s seat of your own money. If you want to be in control of what is taking place in your bank account then Breeze is right for you! What is wonderful about Breeze as well is that comes in a language that you are sure to understand.

Breeze is a new generation online banking platform. It is out with the old and in with the Breeze! Developed in Singapore by the Standard Chartered Bank, Breeze will be available as an internet application in the very near future- think September 2010. It will be available at first only in Singapore and Malaysia but will be introduced in India and Hong Kong very soon after that. From there the rest of the world will come to know all that Breeze Mobile Banking from Stan Chart has to offer.

Breeze offers the first of its kind e-cheque or e-cheque application. What this means is that you can go online and sign a cheque. Then all you have to do is wait for the physical version of the cheque to be mailed to you. What could be simpler than that?

Breeze uses an intuitive interface that is easy to navigate. It also uses plain language that is … well, as plain as it needs to be! Examples of this include See, Move and Manage Your Money. Upon visiting the Breeze by Standard Chartered Bank website you will see what we mean.

Breeze is a wonderful way to improve the way that banking is conducted on a regular basis. It takes banking to a whole new level. It is mobile banking, internet banking and online banking but it is more than that. It is banking gone wild, but in a creative and advanced way!

If you are someone who likes to customize your icons then you can do this with Breeze. There is also a wish list function that makes it possible for you to consistently save for whatever it is that is on your wish list, be it a trip, a car, a new television, a new wardrobe or some new bedroom or living room furniture.

There are so many good points about Breeze that we could take all day to talk about it. Breeze offers reminders. This is an excellent feature because it means that you will never have to worry about missing a bill payment. It does not use a “dongle” for security purposes but instead what it will do is send an extra password to your phone by way of SMS. What more could you ask for from an online banking platform?

Of course anyone applying for an account would have to provide the same identification as opening an account in a physical branch, however the location is not an issue since your branch is online.  Because there is no cost to keep a physical location up and running the BankDirect online savings account rates are able to remain competitive and attractive to all prospective customers.

The current annual percentage rate for a BankDirect online savings account is a 0.10% APY.  There is a minimum opening deposit of $100.00 in order to get the account open and running.  One way that BankDirect helps you to earn as much interest as possible is by compounding your interest daily.

This means that your balance is judged every day and credit for the interest, then the following day your new balance is determining the interest.  This can allow you much more in gains and is not offered by many banks.

Further helping you to earn money and not spend even more is the fact that there are no monthly maintenance fees for this account.  You also get two free withdrawals every month.  Any withdrawals between three and the maximum of six in a month are charged a $2.00 fee.

You can get an ATM free of charge, but these are only issued at your request.  While you will be charged fees for using an ATM, you can get four of these fees reversed every month, helping you to have access to your account at no cost.

This is a great account for those that want to keep a high balance, and only access that amount for emergencies or unexpected payments.  You can have access to your money when you need it, but BankDirect Online Savings Account Rates will benefit you more to leave it alone and let it earn interest for you.

In that time they have also founded their online banking branch of New Dominion Direct, which specialized in personal and business online savings, checking, CD, and Money Market accounts.  The New Dominion Direct online savings account rates are definitely competitive for the online market and look to remain that way for quite awhile.

The current annual interest percentage earned for New Dominion Direct online savings accounts is at a 1.50%.  The minimum deposit amount in order to open the account is $1,500, and a $1,000 daily balance must be maintained.

If the balance falls below $1,000 the account will still continue to earn interest however a $10 maintenance charge will be applied to the account, which negates the interest you have earned anyway.  The interest for this online savings account is compounded daily, which will earn you the most interest possible for your money.

However, don’t get concerned if you don’t see daily interest payments.  While the interest is calculated daily it will only be paid to the account once a month.

Direct deposit is available with the New Dominion Direct online savings account, so if you want to set aside a portion of your paycheck every month to that account then you have the ability to do so.  Online and ATM access to your access are free and give you unlimited, 24/7 access to your funds.

With this account you do get three free withdrawals per month.  Any withdrawals over three will each be charged a $5 fee.  This account does have several fees that can limit the amount of interest you actually make, and this should be taken into account before you open an account.

However, if you plan to have a savings account that you add funds to and otherwise leave completely alone then this account could be very advantageous for you.  The rates are very good and can be significantly higher than other accounts that have no fees.

While the customer service expectations and stability of the company is not a problem, it is important to note that some policies and rates may have changed since the bank changed hands.  So while you may have thought that AmTrust Direct was not your best bet, those new AmTrust Direct online savings account rates may just be the best offer for you now.

While there is no minimum balance to earn interest on an AmTrust Direct online savings account rates, there is a minimum balance to open the account.  In order to open the account you must deposit at least $500.  However you don’t have to maintain that balance since there is no fee for falling below a certain threshold and you can earn interest on anything over $1.00.

You can transfer money into the account from any external source; it does not have to be another AmTrust Direct account.  Your account can be linked to up to six external accounts, so you will have plenty of sources to fund your savings.  You will be allowed six of these external transfers per billing cycle for free.  After you have reached six there will be an additional fee for every transfer after that.

However, you can still make transfers by check as well.  Any deposits made to the account usually show up within four business days.  You don’t have ATM access with this account, but with 24/7 online access you should have no problem keeping track of your money.

Currently there are two different interest rates for the AmTrust Direct online savings account, and this rate is based on the size of the balance.  For any amount from $1.00 to $99,999.00 will earn a 1.00% annual percentage yield.  Anything over $100,000 will earn a 0.50% interest rate.  Keep in mind that these rates are usually offered for new account only, so if you are transferring your AmTrust Direct account to an online savings account then this rate may be different.

When online banking hit a major boom recently they expanded their service with Grand Yield Direct to handle their online bank accounts.  When considering interest rates the Grand Yield Direct online savings account rates are definitely high on the list.

The current interest rate for online savings is a 1.25% annual percentage yield.  This is among the highest interest rates available and with a secure company as well.  In order to earn this interest rate you must maintain a balance of at least $1.00.

When you initially open the account there is a $2,500 balance requirement, but there is no minimum balance once the account is open.  You also need not worry about finding any hidden costs like maintenance charges or penalties that will prevent you from earning the most interest you can.

Like any online savings account your money is very flexible and liquid, so that you have access to it any time you wish.  You can make transfers from other Grand Yield Direct account or external accounts as well.  There are limits for the amount in transfers you can make.

You can make $25,000 in transfers in a single day and $75,000 within a 30-day period without incurring fees.  Another huge benefit you get with this savings account is that the interest is compounded daily.  Unlike most account where the interest is based on your average balance for the month, this account calculates the interest for each day.

This will earn you more in interest and maximize your savings account potential.  However, you should note that in order to have online access to your account, you will need to sign up for online banking at no cost to you.

Customer service is a top priority for the company, and with their 12th consecutive year of being named the best bank in New Jersey they appear to be succeeding.  But not only can you expect good customer service with this bank but the Amboy Direct online savings account rates cannot be beat by many.

The current annual percentage yield paid for Amboy Direct online savings accounts is an even 1.00%.  This is a consistent rate that is earned by any online savings account and will not be changed simply because your balance has changed.  There is a minimum opening deposit of $1,000 and you will earn the same interest rate as someone with $100,000.

Once you make an opening deposit it will begin accruing interest after the amount has been in the account for one business day, and that amount will not be available to be withdrawn for seven business days.  While the same interest rate is earned no matter what the balance, it is necessary to note that if the balance falls under $300 then no interest will be earned on the account.

There are also no fees or costs to transfer funds so you can earn even more interest by saving that money every month.  Should you choose to use an Amboy checking account for those transfer they are usually complete within 1-2 business days.

It’s important to keep in mind since you are opening the account online Amboy Direct will require that the initial deposit is made from an Amboy Direct checking account.  After the initial deposit then you can make free online transfers from any account that you wish.

The initial deposit is a safety issue so they want to make sure they can verify the source, once this is done then you can manage the money any way you see fit.  You also have access to your account 24/7 online, which gives you further control over your funds.

The main branch of the bank operates out of Maryland however the online branch expands beyond the state with customers all over the country. Because online banks have lower operating costs they can offer much more competitive interest rates.

Currently the Presidential Online Bank online savings account rates are at a 1.25%. This rate places the bank right in the midst of the pack for online savings accounts and should definitely be considered. The account does require a minimum deposit of $5,000 to open the account, but there is no minimum balance once it’s open.

There are also no fees associated with the account, which will save you money in the long run. Keep in mind that the 1.25% APY is only for balances up to $35,000. Anything over that amount will earn a 0.75% APY, which is still a very competitive rate.

Another tool that you have with a Presidential Online Bank savings account is 24/7 access to your account. Not only can you get online access to your account at any time but also you can call the bank’s customer service number anytime as well. No matter what you need to do, you can do it any time that is convenient for you.

You do get statements for the account in the mail, but Presidential Online Bank will also keep an archive of these statements online as well. These online archives also include images of checks and deposit items. Anytime you make a deposit you can get confirmation by email, which is especially useful if you have an automatic deposit set up on the account.

That way you don’t have to check to see if it went through alright, you will get an email confirming that everything is fine. All of these benefits and the competitive rates make Presidential Online Bank a worthy consideration.

Also, there is no need to worry about what kind of business you’re working with, they are Better Business Bureau accredited and have an A- rating. There have been no complaints against them and most customer report satisfaction with the bank.

The Franklin Synergy Bank online savings account rates are currently at a competitive 1.35% annual percentage yield. But like with any account it is important for you to know the details of the account for you to use it to your best advantage.

The bank information mentions nothing of a minimum balance or minimum deposit however it should be noted that there is a maximum of a $500 deposit from an external account. In other words you can deposit as much as you wish from another Franklin Synergy account, but only $500 at a time from an account with a different bank. You do receive email statements on the account for free, or you can choose to get paper statement for $3 each.

This online savings account is designed for people that do not want to move their money around a lot. The interest on the account is only paid quarterly, so if you withdraw funds from your account more often than that you will not get as much interest as you could have.

You do get 3 withdrawals a month for free, and $5 for withdrawals over three in a month. Also keep in mind that there may be excessive activity fees for more than 6 withdrawals in a month. If you intend to put your money into a savings account and not touch it, simply letting it earn interest for a long period of time, then this is the online savings account for you.

Franklin Synergy Bank rates are good and the bank had a good reputation. But if you move your money a lot then it may be best to look around a little more.

The current annual percentage yield for a SmartyPig online savings account is 2.01%. There is no minimum balance that you must maintain in order to earn that interest; all you need is $25 to open the account. After that initial deposit, when you add funds and the amount of funds you add is entirely up to you. In addition, SmartyPig makes it very easy for you to add funds to your account without even thinking about it. When you open the account, or any point after that, you can set up a scheduled deposit of funds to your account on a monthly basis.

For example, if you wish to make a $50 monthly deposit, you can set it up once and forget about it after that. The deposit will still be made and you don’t need to think about it every month. Not only that but you can set up your account to receive funds from friends or family members account as well. So if you want to set up a savings account as a wedding or graduation gift and have all the family members contribute, this is the account to get.

If you are concerned about the safety of your funds since SmartyPig is a financial institution that you don’t know much about then there is no need to worry anymore. The world’s leader in website safety and security, McAfee, probes the site on a daily basis looking for area’s of vulnerability. They also employ the strongest encryption services available and in case that weren’t enough they are also FDIC insured. Your money is as safe in this online savings account as with the neighborhood bank that’s been around for a few decades

The first of the two VirtualBank online savings account rates you can get, for their regular virtual savings account. The annual interest percentage that you will earn for this account is a 0.50%. There is a minimum balance of $1,000 to open the account.

However, your balance foes not affect the amount of interest you earn. Anything from zero to a million dollars will earn the same 0.50%. In addition you have access to your money at the ATM with no fee being charged by VirtualBank. The owner of the ATM may still charge a fee but at least there will not be two fees just to get access to your money.

The other kind of online savings account offered by VirtualBank is their online money market account. While the interest rates are higher for money market accounts it is important to note that you usually have less access to your money. There is a minimum opening deposit of $5,000. From $5,000 and above the interest rate will be tiered based on your balance, starting at 0.50% and ending at 1.00%.

Your interest rate will stay at 0.50% until you reach $25,000. From $25,000 to $50,000 your interest rate will be 0.65%. Between $50,000 and $95,000 you will earn a 0.85%, with anything about that earning the 1.00% APY. However, should your balance fall below $5,000 your APY will drop to 0.35% until it gets back above that opening minimum.

The accounts always have free online statements and unlimited free deposit envelopes. The interest on both kinds of accounts have interest that is compounded daily although it will only be credited to your account once a month, but you will earn more interest with the daily compounded method.

They have been providing these services since 1999 and is headquartered in San Diego, California but keep in mind they have no branch there either. Their company mission is to foster long-term relationships with their customers in an online environment that provides you with the most benefits.

Bank of Internet online savings account rates come in three different forms, a regular savings account, a high-yield savings account, and a money market savings account. The regular savings and money market accounts both have a tier interest structure based on your balance, but at this current time the rates remain the same no matter what your balance.

Since they publish the tier system however, this may not always be the case. The regular savings account has the lowest interest rate at a 1.40% APY, the money market savings has an APY of 1.45% and the high-yield savings account is the highest at 1.50%. To further ass to your benefit, there are no fees or minimum balance required to earn interest on any of the 3 accounts, and the opening deposit minimum is a mere $100.

For all three accounts there are ATM cards available, however the money market account has check writing features that give you more access to their money.  -The regular savings account also has a bill pay feature that you can use to pay for your monthly bills with less hassle.

And if you wish to more easily transfer your money to other account then the high-yield savings account is the one for you. But apart from these slight differences in the accounts, the biggest differences are the access you want to your money and the amount of interest you wish to earn. As with any reputable financial institution all of your funds are FDIC insured so you can feel at ease.

While their physical branch locations are in the Atlanta area, this should not necessarily dissuade outside customers from considering an online account. There are always ATMs that you can use and the Citizens Trust Bank online savings account rates are ones that should be considered carefully. However it is important to note that if you want a signature card then you will need to so to their offices to sign it, and they can always request that you come in for photocopies of your identification, and the application online will only accept applicants from Georgia and Alabama.

Citizens Trust Bank has two types of online savings account, though they both earn the same annual interest rate. The current interest rate being offered by the financial institution is a 0.30% as on 03/02/10. Of course, as with any interest rate it is subject to change at any time. While the interest rate is the same, the biggest difference in the two accounts is the minimum needed to open the account and the minimum balance needed to obtain the stated interest rate.

The regular savings account requires a $100.00 deposit to open the account and you must maintain the same minimum balance in order to earn any interest on the account. The future savings account only requires a minimum opening deposit of $10.00 and the balance must stay at $5.00 or more in order to earn interest.

The future savings is more an account that is directed toward helping students or children learn how to save money since they have the lower threshold for minimum balances.  With either account you will forfeit any interest if your balance falls below the minimum, so the lower threshold makes it perfect for children. The application is easy enough, asking for your identification information and what kind of account you would like.  Then simply hit submit and you are on your way.

And not only that but they hold a business relationship with over 95% of the companies on the Fortune 500 list, and just about 85% of the Global Fortune 500. This makes Bank of America quite a powerhouse in the banking world, which makes them a popular choice when choosing online savings account rates.

The current annual percentage yield for their online savings account is currently at 0.10%. This is on par with many other banks regular savings accounts and is becoming a more common rate for the online savings accounts as well. You can open the account with a minimum deposit of $25 and there is no minimum balance to earn interest for the account.

However, it is important to note that if you have less than $300 in the account then you will incur fees until you have $300 in the account. You will still earn interest on that amount but there will be a fee involved.

A great perk with the Bank of America online savings account rates is that you are not charged for making withdrawals to your account. Most other banks do charge for withdrawals, and Bank of America does as well for excessive withdrawals. But you start out each month getting three withdrawals that will not get charged a fee.

However, this is not the case if your balance is over $2,500, then you get any amount of withdrawals for free. You will have access to your account with any number of ATMs across the country as well as getting a monthly statement.

Also, you have the ability to set up monthly deposits to your online savings account in whatever amount you choose. And always keep in mind that will not prevent you from making additional deposits whenever you wish but if you are forgetful they can automatically do it for you.

The Wells Fargo online savings account rates are ones that seem to remain relatively stable compared to other banks. Their current rate has remained close to the same for quite a period of time as opposed to other newer banks that seem to jump to the best rate on the market ever month or so.

This makes their account the ideal account for someone who wants to put their savings in a safe place and have a pretty good idea of what their account will do and the return they can expect. Currently if you have less than $25,000 in the online savings account then you will have an APY of 0.05%. However if you also have a linked checking account with Wells Fargo then you get a bonus APY of 0.15%. For any balance over $25.000 your interest rate will be 0.30% with a bones rate of 0.40% if you have a linked checking account.

There is a minimum opening deposit of $25,000 which will put you at the higher interest rate, but you do not have to keep that balance about $25.000 in order to earn interest. Another great benefit of the Wells Fargo online savings account is that you can access you money with checks as well as online and through the ATM.

This is a unique feature with online savings accounts and can make it much easier to use your account when you need to.  Also for your convenience you can use your savings account to protect your Wells Fargo checking account from overdrafts. If your account is in danger of overdrafting then the balance needed to bring the account positive is taken from your savings account. Then you can transfer it back when you can.

The first thing to know about Discover Bank online savings account rates is that there is a minimum balance to earn their best interest rate. Currently that minimum is set at $10,000. You initial deposit does not need to total this amount, the initial deposit needs to be at least $500 but certainly not $10,000. Their current interest rate for online savings accounts is a very competitive 1.30%. Again, you must have a balance of at least $10,000 to earn this interest rate although you may be eligible for a lower interest rate before you reach that balance.

While there are a lot of banks that are competing for your online savings business, there are a few that stand out above the rest and Discover Bank is one of them. Not only are they FDIC insured, but also they have earned a most coveted 5 star rating for keeping customer’s money safe from Bankrate.

Both of these things put together will ensure that all of your money is safe and earning you a nice return at the same time. Opening the online savings account is also very easy with their online application. On the first page everything you need to provide to open the account is asked for, without this they won’t allow you to continue since the account cannot be opened without that information.

The second page of the application is dedicated to determining how you want to fund the account. Now that your account can be confirmed then you should receive an email within about 24 hours telling you that everything is in order and your funds are available. Then you can begin earning your online savings accounts rates.

As many online banking consumers know, Emigrant Direct has other online savings accounts that they have been offering for several year. Now they have their subsidiary bank Dollar Savings Direct that is dedicated to offered interest rates that are closer to the rate for a CD or money market account and transfer those returns to an online savings account.

When the account was first offered the Dollar Savings Direct online savings account rates paid a nominal annual percentage yield. Since then they have increased their interest rate to an even 1.30%, making is much more like a CD or money market rate than for a normal online savings account. It is important to note that you have to deposit a minimum of $1,000 in order to get this top rate. If your balance ever falls below this minimum amount then your interest rate will drop to 1% until you bring the balance back up.

As with any bank account, online or otherwise, it is always important that you read all the terms and conditions. While Dollar Savings Direct is a reputable financial institution that provides many consumers with excellent rates and no hassle, a small handful of customers have had trouble later because they neglected to understand the terms of the account when they opened it.

The company is FDIC insured, so you can be certain that your money is safe and protected. But in their policy they state that if you close the account or withdraw all the funds before the last day of the month then you will not accrue any interest for that month. Many consumers become unhappy because they failed to read this policy and closed the account mid-month and forfeited their interest. Always be aware of what the terms and conditions for all of your accounts are

The current rates for the EverBank online savings account is very lucrative and has been named the best on the market by numerous outside reviews. When you first open your online savings account you will get a bonus for the first three months and your rate will be a 2.51% annual percentage yield. There is no need to fear that after three months you will be left with the lowest interest rate on the market however, because it will only drop to 1.77%.

This is still significantly higher than a lot of other similar accounts. This is the rate you will always earn up to a balance of $50,000. This is definitely a rate that few other banks can beat, so it should definitely be on your list of considerations when looking at online savings accounts. Opening the account could not be easier since you can apply both online and over the phone. They do offer 24/7 customer service access so you can open up your account at three in the morning on a Sunday if you like.

Not only can you count on a great interest earning from EverBank online savings account rates, but also you can trust your funds with the bank as a whole. They have been FDIC insured since 1998 and been the recipient of many awards. Money Magazine names them the “Best of the Breed” for online banking. They also were awarded Best of the Web five years in a row from Forbes. There are few institutions as trusted as the opinion of Forbes, and they think that EverBank simply can’t be beat for online banking.

• Earn a yield within the top 5% of competitive accounts. Always.
• Low $1,500 initial-deposit requirement
• No-fee Online and Mobile Banking
• FDIC insured

Apply Now!

This is the motto that is largely responsible for their growth and positive acceptance into the banking community. And if you choose to open an online savings account with Univest Direct then you do not need to worry about having access to a branch in Pennsylvania since they are the online banking portion of this company. They are still newcomers to the banking industry but this is one of the reasons they can offer such competitive rates for online savings.

There are two different Univest Direct online savings account rates, one for the Anytime Savings account for consumers and one for the Online Business Savings account. The two accounts are quite similar except that one is for the everyday consumer and one is directed at a business. The annual percentage yield for the consumer online savings account is 1.15%, which is slightly above the market wide average for an online account.

The online business account has a slightly lower interest rate of an even 1%, which is not too big of a difference. For both accounts there are no monthly maintenance fees or any fees for dipping below a certain balance amount. The minimum amount that is required to earn interest on the account is just $1, so you start earning as soon as the account is open.

Univest Direct also offers the benefit of not being charged any fees for using an ATM. This is not just limited to their ATM’s in Pennsylvania but ATM’s across the United States. Keep in mind that while Univest Direct will not charge you ATM fees, the bank that runs the ATM still might.  Really, when you look at the account closely there are very few situations at all that the bank will charge you a fee, which will help you save your money more effectively.

The majority of their offices are in Utah where the bank is based, but they also have offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, and Washington. While they are not a large national bank they have recently been offering very competitive rates on their online savings accounts.

As with any interest bearing accounts the rates are subject to change at any time but the market has been pretty stable and keeping the interest rates high. The basic annual percentage yield for their online savings accounts is 1.25%. This is the first tier of interest that you can get with Zions Bank and the levels are based entirely on your balance. To open the account there is a $1,000 minimum deposit, but while this is enough to open the account it will not earn any interest.

The minimum balance for your online savings account to earn any interest is $2,500; at that point your interest rate will probably be closer to around an even 1%.  But as you get closer to the limit for the first tier of $20,000 you will be at the 1/25% or a little higher.

After the first tier limit of $20,000 there are two cutoffs after that and for each one you will earn higher interest rates. The second cutoff is $100,000 and then anything over that will receive the highest interest rate currently being offered.

It’s important to remember that this rate is only for online savings accounts although the tier system is similar for their high-yield checking accounts as well. The interest rate is a bit lower for the checking account but the way it is set up is the same. Also don’t get this confused with their online money market account, that is an even higher interest rate but you get limited access to your money and may not be the right financial move for you.

The current annual percentage yield for a Sallie Mae online savings account rates is 1.35% and they boast that this is above the national average for similar accounts. This is largely on the same level or slightly above what other banks are offering so it is certainly an institution to consider for your savings. They make it very easy for you to start saving immediately since there is no minimum balance needed to open the account and no minimum balance at which you start earning interest.

But not only do you earn interest on any amount that you deposit but the interest is compounded daily. What this means is that at the end of every business day that interest amount is added to your account, making the balance for the next day slightly higher. This can help you add up a lot more savings quite quickly since the interest is not being determined once a monthly at the end of your billing cycle and is not based on your average balance.

Another way that you can make your Sallie Mae online savings account is to link it to your Upromise account with Sallie Mae. When you do this they will give you a 10% bonus on any interest earned. And since you are not being charged monthly fees for your account then your balance is not going to be lowered by anyone other than you.

However, it is important for you to know that there are other fees and penalties that are assessed by Sallie Mae that could impact your account balance so be sure to be aware of these up front. It is impossible to say exactly what charges will or will not be applicable to your account so talk to a Sallie Mae representative and ask them about this before you decide.

ING Direct offers two different rates for their two separate online savings accounts. The first account, Orange Savings Account, is typically offered to consumers that don’t have many thousands of dollars to put into savings and has an annual percentage yield of 1.20%. The second account, the Electric Orange Savings Account, is best suited for those consumers who do have a large savings balance to deposit and will return a 1.45%. With most banks lowering the rates offered for their online savings accounts these rates are very good even if they may lower slightly they will still be good.

There are no minimum deposit amounts for opening up either of these accounts, which makes them easily accessible to anyone who is interested. Another great advantage you have is that there are no fees for transferring money between your online savings account and any other accounts you have, even if they are with other banks. That is not to say that those other banks won’t charge you a fee, but ING Direct certainly will not.  Transferring money is very easy and can be done online, over the phone, or with a customer representative in person. Usually transfers are completed in 2 to 3 business days, which makes it very easy to get access to your money.

You can also easily link your ING Direct online savings account to any checking account that you wish. Of course all ING Direct accounts are automatically linked for you, but you can choose any 3 checking accounts with other institutions that you wish. And you can bank safely with ING Direct since they are FDIC insured, making it a very safe place to keep your money

The current rate for the Citibank online savings account bank is 0.75% for any balance under $25,000. This does change occasionally as the financial markets change and adjust but it is impossible to predict when or how that rate will change. Citibank does reward its customers for having high balances of over $25,000 by giving them a very generous 1.01% annual percentage yield.

These rates only apply to the online savings account so if you are being quoted something drastically different then if may be wise to check what kind of account they are referring to. It is also important to note that the e-Savings account is only available by phone or through Citibank’s website. If you are in a branch then you cannot open this kind of account and it likely won’t be offered to you.

There is a minimum deposit amount of $100 to open the account initially. But once the account is open there is no minimum balance that you must maintain. Before you apply then you should also know that you must have another eligible account with Citibank or you will be barred from having an online savings account. You can open both account online at the same time and that will be suitable but you may have to go to a branch at some point to provide additional documentation for their files later.

You have a few choices for your second account; you can have an EZ Checking account, a Citibank checking account, or a Citigold account. The two accounts must be linked so that they will both appear on your statement. This is easy to do as long as both accounts are opened with the same name and Social Security Number. Both accounts will be subject to Citibank’s approval but can be opened online or over the phone.

Right now, WT Direct offers one of the highest yield online savings accounts for any FDIC insured account. You can still find better rates at places like credit unions, but not many banks will offer more competitive rates. If you have a balance of more than $10,000, you will currently earn 1.76% APY with an online savings account. This is a rate that is hard to beat with more other rates being around 1.50% and below.

In addition to that there is no minimum amount that you have to deposit to open the account, however your rate will be less competitive until your balance gets to at least $10,000. There are also never any fees for having or using your online account, which can be hard to find these days.

With their online savings account rates being so high, WT Direct online savings account rates are consistently among the top 5% of US banks. And unlike a lot of banks who will lower their interest rates if your balance gets too high, WT Direct rewards a higher balance with their best possible rate. Some banks also require that you open a checking account in order to get the higher rates on an online savings account.

But again, WT Direct has no such requirement. And going along with their accounts having no fees is accessibility they give you to your money. Unlike a CD account which is heavily restricted you have unlimited deposits and up to 6 withdrawals of up to $500,000 per month. Overall, they are a perfect bank for those with large amounts of money to transfer and spend since this will give you the highest rates they have available.

For those that intend to hold less money in the account it may be best to look at your other options first, WT Direct is a good option but may not be your best option.

• 1.26% APY
• Accounts $10,000+
• No Fees
• FDIC Insured**
• Rate consistently in top 5% of U.S. banks
• Customer service with a direct connection to real people
• Part of a family of companies recognized globally as leaders in financial services.

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Their online savings account is a case of less is definitely not more. There is a minimum deposit requirement and you could be subject to some fees on the account. There are not a lot of fees but there will be the standard overdraft fees and perhaps transfer fees depending on what account type you chose. Currently if you keep merely the minimum amount of money in your account then the annual percentage yield is at a 0.25%.

However, if you go for an online savings account type with a higher balance then you can get that up to around 1% APY. These rates do fluctuate depending on the stability of the stock market and the current condition of the bank itself. But regardless it definitely pays to have more money in your Chase online savings accounts than less.

While these rates may not seem to be the highest, they are still competitive in the current financial market. And you have the added benefit of being with a stable bank that has been in business for over a hundred years. If you have a high enough balance to get a premium or platinum account then you can expect to be rewarded for it. Not only will your online savings account rates be higher at that point, but also you get extra rewards on top of that.

You can get an assigned banker that handles anything and everything with your account so that you don’t have to deal with a bunch of different people. You can also get special interest rates for a short period of time or other discounts that are only offered to highly valued customers. So if you have a lot of money to move around then Chase is definitely the place you want to be.

For this reason HSBC Direct is able to offer among the best interest rates for their online savings accounts. Their current interest rate is at 1.35%. While this may seem low considering the much high rates of the past few years, it is nearly impossible to find many rates that approach 2% in the past year or so. And if you do, there are likely to be a lot of restrictions on the account or a lot of fees involved. Given the current economic climate 1.35% is a very good rate for an online savings account and the other benefits you get are unbeatable.

One of the greatest benefits of an HSBC Direct online savings account is that there is no minimum balance requirement. This is rare for any savings account that accrues interest and even rarer for an online savings account. Add to this that there are absolutely no fees for this account and you have a true gem of an online savings account. You can transfer as much money as you like and not incur any fees or any fees no matter how often you use the ATM.

You can also link your HSBC Direct online savings account to any other accounts you have with HSBC Direct or the main branch of the bank. All of them will be available to you with Easy View. This allows you to have one login name and a single password to have access to your account. With this view you can view you accounts and manage them all online. This way your online savings account, loan, mortgage, and credit card will never get forgotten because they are all right there. These are just a few things that set the HSBC Direct online savings account rates apart from others in the industry.

The average rate for an FNBO Direct online savings account is about 3% on deposits. This is typically higher than a traditional account since almost everything is done online with your account. This brings down the bank’s costs and they are able to offer you higher interest rates on your deposits.

It is important to keep in mind that this 3% rate is just the average and could be higher or lower at any given time. FNBO Direct track’s the national markets and raises or lowers their online savings account rates accordingly. This means that the annual percentage rate will fluctuate over time, but overall the result will be very favorable. For example this month the rate may be a 1.25% but in a few months it could be up to 2.5%, depending on how the market behaves.

Historically FNBO Direct has one of the best interest rates offered for online savings accounts.

In addition to having one of the best rates in the business, they make it easier to have access to your money at all times. When the online savings account is first opened, you are given the option to have an ATM card.

This will allow you to check your balance or get your money whether you have Internet access in that moment or not. Also their customer service will never subject you to a recorded message telling you to call back later. Even at 3 in the morning, your account questions or problems will be handled immediately.

The bank is also privately owned, which means they can more easily protect your money if federally controlled banks are having trouble. There are numerous reasons to open up an online savings account with FNBO Direct, and their interest rates are just the first reason of many.

When you are looking for the rates on an E-Loan online savings account, you will typically run across two different rates. The first is the rate for the basic online savings account. This account requires a $10,000 minimum balance and had an annual interest yield of 1.1%, as of February 12th 2010.

This rate does fluctuate with the market so the current rate that is being offered could be higher or lower. If the balance falls below the minimum then you may not be eligible to earn interest or there may be fees associated with the account until it is brought back to the minimum balance. There are typically very few fees with E-Loan online savings account, but all of the fees will be disclosed to you before you open the account.

E-Loan also recently began offering an online savings CD account that has a significantly higher interest rate of 5.5%. While this is a very lofty interest rate, you should note that this is typically only offered as an introductory rate that usually drops to around 2.6% annual percentage yield. This is higher than the traditional online savings account and has the same $10,000 minimum balance.

There are also no fees associated with the online CD savings account, even inactivity or low balance fees. However, there are a few drawbacks to the CD account over the savings account. First is that if the balance falls below $500 for more than 90 days the banks reserves the right to close the account.

Also, you typically have less access to your money with this kind of account and may lose the high interest rate for debiting the account too often. Weigh both of these options carefully before deciding which E-Loan online savings account rates is right for you.

Capital One is offering 1.60% Annual Percentage Yield on their InterestPlus Online Savings Account.  This account does have a minimum deposit requirement to achieve all the interest benefits, but if you can maintain the requirement minimums, the details are great.  You will earn 1.60% APY with a minimum of $2,500 in your account.  You also receive an extra 10% of your interest every quarter if you have at least $15,000 on deposit or use a Capital One credit card at least one time during each month.

This is one of the best high yield interest savings accounts available among the top national banks.  Your money is FDIC insured and Capital One is a stable, secure company with $100 billion in deposits and 50 million customers.  There are no monthly fees for the account.  You get free, easy online transfers and they offer electronic statements for their customers who want to “Go Green” and are environmentally conscious.  There is a limit of 6 withdrawals per month.  The Capital One website has great rate calculators and earnings tools that will show you the benefits of their higher interest rates.

Opening the account is easy.  Log onto the website and give your personal information.  Indicate what type of account you need and whether you will need beneficiaries or joint owners.  Then indicate how you will make your deposit, either electronically or by sending a check.  You will get your packet in 10 days and can make simple online withdrawals/transfers to your personal checking account at any other bank if needed.

We, as consumers, should all have money in savings.  It is important to have money set aside for emergencies and long-term goals.  Banking online is safe if you do your research and check out the bank you are working with.  The rates offered for online savings accounts are sufficiently above the traditional offerings and you should check them out, it’s a great decision for your future.

You don’t need to have a credit card with AMEX to qualify for this personal online account.  The application is done online.  Your deposits are made electronically and you can also use direct deposit from all or a portion of your paychecks or other income.  You can make withdrawals 6 times a month without incurring fees.  There are no penalties for closing this high-yield online savings account like there would be with a Certificate of Deposit which traditionally comes with a maturity date.  Online transfers are made easy so you have access to your funds when needed.

Unlike many other online savings accounts, AMEX Bank does not require a minimum balance and they charge no monthly fees.  Your account starts earning interest as soon as the first deposit is verified.  There are two ways to make your deposits.  First, you can deposit electronically by providing the routing and account numbers at your external bank.  They will make trial deposits which you will need to verify for your protection.  Second, following the set up of your high-yield savings account you can mail a check payable to American Express Bank for the amount you want to deposit.  The maximum electronic transfer amount is $250,000 per day.

American Express Bank, FSB is FDIC-insured.  They are a member of the American Express family.  One of their goals with this personal account offering is to get to know more customers.  Although they have no traditional branches available they do offer 24/7 access to your account by internet or phone and offer many other products at their website including CD’s.  You can start earning money without ever leaving your home.

The following items are all you need to open your savings account online with AMEX:  name, address, phone number, email address, birth date, social security number and existing bank account information.  If you plan to open a joint account, you will need this information for both account holders.  You can also add up to 6 beneficiaries on your account using the online system which can give you peace of mind.

Customers are always searching for ways to keep their money safe and earn high interest on their savings.  American Express is a trusted name and their high yield online savings account is a great one to check out.

Many banks charge fees or drop your interest rate if your account dips below their minimum requirement.  Ally does not.  Some banks charge a monthly fee to service your account.  Again, not at Ally.  You can open your account with $0 and your variable rate begins when you make your first deposit of any amount.

Ally is FDIC insured to help you ensure the safety of your money.  Another perk?  Ally Bank will compound your interest daily.  The APY is the percentage paid in a year for leaving your money in the account.  Some banks compound monthly, quarterly, or even yearly.  At Ally you will maximize your earnings with interest being accrued daily.  Your high interest earnings multiply faster because you’re receiving interest on yesterdays balance, not waiting until the end of the year for your lump sum payment.

It is important to have a savings account.  Try to save as much as you can every month.  Your savings funds can help you weather the ups and downs we all go through with our budgets.  A high interest online savings account at Ally Bank is one of the best products available in the current market.  Most traditional, in-branch savings accounts are paying less than .50%; many are as low as .01%.  If they include fees every month you are simply throwing money away.  Because of the low overhead costs involved with online savings accounts, banks offer much higher rates with fewer requirements and Ally is one of the best.

Ally Bank deserves your attention.  Look them up at the FDIC website.  Research the company and determine their stability.  Fully understand any risk involved, compare them with other online accounts and then decide.  I think you’ll find that their high yield online savings accounts will be a great step for you.  With no minimum balances, great rates, free online banking transactions, no monthly service fees and 24/7 Live Customer Care center, you can watch your savings money grow safely and quickly.

Banks, credit unions, savings, and loan companies offer online savings account rates.  There are many different types.  Some require a minimum deposit to earn the rate advertised.  Others require you to have a checking account that is linked to the account.  The money in a savings is not supposed to be used as immediate money and many banks don’t let you write checks or withdraw cash from them at ATM’s.  There are options available that let you do automatic monthly or weekly transfers from your checking to the savings account which is a great benefit.  Consider all the options and find the best online savings account rates that best suits your needs.

Before opening your account, read the small print for the account.  There are things to watch for.  For example, is there a time limit for the rate advertised?  Many times a high rate is only good for 90 days and then it falls significantly below where you started.  Be sure that the interest rate lasts long enough that it’s worth the effort to move your money.  Next, are there monthly fees for the account?  Paying fees cuts directly into your return on your deposit and they need to be figured into the total benefit.  Find an account where you can leave your funds for a significant amount of time and then check it often to make sure the specifics are the same.

The most important thing to consider before putting your money into any account is the stability of the bank you chose.  Check them out.  Carefully.  Have you heard of the company?  If not, find out who they are.  Ask friends and family or your favorite banker if they know anything about them and be sure the bank is FDIC insured.  Use the search tool at the FDIC to find out.

Use good common sense while searching for your account.  I found an online bank savings account that offered 9.65% APY with no minimum balance requirement and no fees.  Sound too good to be true?  It probably was and they were not FDIC insured.  Most online accounts are paying between 1.25 and 1.70% APY right now.  When an advertised return is that far from the rest of the pack, you might as well play the lottery with your money.  You want to save money and enjoy healthy returns, not lose it.

In branch savings accounts are not the place to accomplish your savings goals.  Your goal as a short-term or long-term investor should be to maximize the money you earn.  Putting some of your assets into an online bank savings account will help you make your goals a reality.