Favorite savings accounts?

[Flexo]

Even though they don't always have the highest interest rate, I'm still a fan of ING Direct.  Ever since opening the account years ago (2003 I think), I've found my experience with them to be completely smooth.  I think I only called them once, back in 2003, when I forgot my user number.  The company seems to have the right kind of attitude, it almost has a community bank feel to it, even though they're huge.

Of course, I've sinced moved money around quite a bit to take advantage of higher rates elsewhere.  I don't chase rates but I want my interest income to be as high as possible. I'll always probably keep some money at ING Direct.

What's your favorite bank for savings accounts?

[That One Caveman]

ING Direct is my online bank of choice.  If I could write checks manually with it, I could drop my local bank account altogether.  (The do have some online check things, but that doesn't replace what I need for various places such as my church.)  I wish their rate was back up where it used to be, but the ease of creating accounts, moving money, and such, makes them the best bank for me.  I haven't been one to chase rates, but the difference between then and FNBO makes me at least curious enough to look around.

[Yana]

We have ING, but I just don't have the confidence to put that much money in it.  I use Schwab Investor Checking for savings.  We have savings at Wells Fargo, just to keep the checking account free, but the interest is a joke.  I don't really care what the banks label the accounts - our simple savings are in checking accounts.

[eric]

I've stuck with ING since the beginning but I did open the WaMu C/S combo (before the collapse of course) because they had a good brick-n-mortar presence in my area. :-/

[Green Panda]

We're still with ING. Our experiences at BofA made us appreciate how important customer service is.

[valerie]

Dollar Savings Direct, a Division of Emigrant Bank has a 4% apy Savings Account, with $1000 minimum

This rate has been in effect since October they say, and did not change this week.

[Green Panda]

This rate has been in effect since October they say, and did not change this week.

I was a bit disappointed ING lowered it's rates again.

[Flexo]

I was a bit disappointed ING lowered it's rates again.

Disappointed but not surprised. WT Direct lowered their rates today, too.

[nickel]

With all these rate cuts, I hate them all.

[Penelope Pince]

I've thought about getting an ING account many times in the past year, but for some reason, it just doesn't feel as secure.

I've had a savings account with my local credit union for almost 3 years now, and while the rates aren't as high as ING's, they are higher than other banks like Bank of America, and it feels more secure and "close by." I can make immediate internal transfers to my checking account with online banking, so I can keep my money in savings right up to the time I need to pay a bill. Plus, the minimum required balance is low at $25 and there is no limit on withdrawal, so in case of an emergency and I need to take out a large amount, I don't have to worry about penalities.