I had moved all my savings to Wamu before they failed and were offering 5% on their savings accounts. I knew they had been dropping the rate, but I looked the other day and it was down to 1.15%. I signed up with ING Direct to try them out since they’re offering closer to 2.5%. Was easy to setup an account and withdraw funds from my checking. If you’re interested in opening an ING Direct account, leave a comment and I can send you a referral email that gives you $25 just for signing up (I get $10).