Honestly people. ING Direct is an FDIC insured savings account that is giving out a whopping 3.8% interest rate.
It's all web-based. You can easily switch money back and forth from your regular bank's checking or savings account. You can setup automatic deposits so you don't have to even think about it. No minimums, no fees...they should be paying me for this.
And what's better, is that we can both make money together. If you want to sign up for a new account (and you should) and are willing to open it up with more than $250 (and you should), then you will get $25 added to your account, and I will get $10. That's a 10% return in a matter of minutes.
So if you are interested on getting the most of your money (and you should), send me an email, and I will send you an invite, and we can both have a free beer (or 2 or 3) on ING Direct.