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What does everyone use for a savings account? I currently have etrade, which when I signed up had a great APY. I like them for their ease of use and ability to do complex things very eaislly, however I am sure this is not exclusive to etrade. They have some iphone software that is nice though I dont have an iphone yet.
Anyways I am thinking of switching because etrades .5% APY pales in comparison to banks like Ally (1.8%) and FNBO Direct (1.5%). Ive heard etrade got killed in the recent banking crash so they can't offer a competitive APY anymore.
Ally seems like a nice traditional savings account. FNBO Direct however seems really good, it sounds literally like a savings account tied in with a checking account. For instance you can draw out cash from ATM's using your savings account and pay bills with your savings account.
That said I doubt I would use FNBO like a checking account, so that point is probably moot. I have a checking account where I can withdraw from any banks ATM's and they will reimburse me the fees. FNBO does not do that
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