I already have an IRA and a 401K and my checking account with
my local bank pays a very small interest.
I already do my local banking online.
My local banks don't pay much for saving account rates
and I need something that I can instantly transfer money
into my checking account, not a CD.

Anyone have experience finding the online savings accounts
paying a higher rate than the local bank? Seems like ING has
had online savings accounts for some time.