Personal Growth - Money

Which Online High-Yield Savings Account is Best?

I've heard a lot about online high-yield savings accounts, but I've never bothered to look into them. It occurred to me today that it's ridiculous to keep my "web money" in a no-yield checking account at Wells Fargo. As my blog revenue grows, I'm throwing away money by not having my savings someplace that pays.

I did some research. I googled for "high yield savings account" and "ING direct" and " HSBC Direct". I followed promising links (and ads) from the search results. As of March 19th, here are the offers that I was able to find with minimal digging. All of these accounts are FDIC insured.

  • Countrywide Bank offers a variable rate, from 4.00% to 5.40% APY, can link to other bank accounts. $1,000 minimum to open.
  • AmTrust Direct offers 5.36% APY, "no monthly service fee or minimum balance fees", can link to other bank accounts. $1000 minimum. This is a money market account.
  • WT Direct offers 5.26% APY, no fees, can link to other bank accounts. No minimum to open, but your interest rate drops if you don't have a $10,000 balance after 60 days.
  • E-Loan offers 5.25% APY, no fees, "industry's strictest privacy policy". $5,000 minimum.
  • Presidential Online Bank offers 5.25% APY, no fees, ATM access, web interface. $5,000 minimum to open.
  • Emigrant Direct offers 5.05% APY, no fees, can link to other bank accounts, web interface. No minimum.
  • E*Trade offers 5.05% APY, no fees, an automatic savings plan, can link to other bank accounts. $1 minimum to open.
  • HSBC Direct offers 5.05% APY (with a temporary 6.00% APY promotion), no fees, can link to other bank accounts, web interface. $1 minimum to open. The HSBC web site is a busy mess.
  • Capitol One offers 5.00% APY, no fees, free checks and ATM card, an automatic savings plan, can link to other bank accounts. $1 minimum to open. This is a money market account.
  • Citibank Direct offers 4.65% APY, no fees, $25 sign-up bonus. No minimum.
  • ING Direct offers 4.50% APY, no fees, an automatic savings plan, web interface. No minimum.

The QuickTransfer feature at E*Trade looks awesome. I love the idea of being able to have one interface to manage all my accounts at all my financial institutions. Has anyone used this? Do other banks offer similar features?

A reader sent in a story about online banks last November, but that discussion was specifically about customer service. I'd like to hear from people who use one (or more) of these banks and can tell me more about the features. Which one should I choose and why?

Which Online High-Yield Savings Account is Best?

News Cellar - Marketing

Women find 'girlfriend getaways' help relieve pressures from work and home

By Lisa Fernandez
Posted: 06/18/2011 12:00:00 AM PDT

Lisa Tollner recently returned -- refreshed and rejuvenated -- from a women-only trip where about a dozen gals said adios to their families to kick back, hike and share a potluck weekend with wine and good times along the Russian River.

"Mostly, we just do a lot of laughing," says Tollner, a 52-year-old marketing professional in Los Gatos. The point of "getting away with just the girls is to simply enjoy the company of other women who are probably in the exact same situation you're in -- people who are trying to make ends meet, involved in their marriages and raising their families."

News Cellar - Making $$ on the Web

Casual blogging not just lunch money now

By CANDICE CHOI, Associated Press Writer
Dec 26, 2007

Zach Brooks pocketed $1,000 this month blogging about the cheap lunches he discovers around midtown Manhattan ($10 or less, preferably greasy, and if he's lucky, served from a truck).

The site,, is just a year and a half old and gets only about 2,000 readers daily, but it's already earning him enough each month for a weekend trip to the Caribbean — or in his case, more fat-filled culinary escapades in the city.

casualbloggingnotjustlunchmoneynow.jpg Wed Dec 26, 10:55 AM ET  (AP Photo/Mark Lennihan)

Zach Brooks eats a takeout lunch of Korean beef, rice and vegetables at the Bulgogi and Kimchi food cart on Wednesday, Dec. 19, 2007 in New York. Brooks writes a blog about the cheap lunches he finds in midtown Manhattan.

In the vast and varied world of blogging, Brooks is far from alone.

News Cellar - Startup / Entrepreneurship

Comic books now available on cell phones

By DAVID TWIDDY AP Business Writer Article Launched: 09/06/2007 12:08:05 PM PDT
artiststevensanders.jpg Artist Steven Sanders holds a cell phone next to his computer screen at... (AP Photo/Orlin Wagner)

KANSAS CITY, Mo.—Sean Demory realized a long-held dream of becoming a published comic book writer when "Thunder Road," a post-apocalyptic adventure he developed with artist Steven Sanders, was released.

"I've been plugging away and pitching things for 15-20 years," Demory said. "This is the first one that landed in fertile soil."

But don't look for the tales of Merritt and his buddies on the shelves of a comic book store or even the Internet. "Thunder Road" is the first comic book released in the U.S. exclusively on a cell phone, part of a lineup of mobile comic books offered by Kansas City-based uClick.

"It opens up a market that wouldn't necessarily be seen as a traditional comic market," Demory said of the launch last month.

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