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HSBC or Emigrant savings I think has the highest rate, but I'm a loyal ING customer and love it. Our wedding money was stored there and earned alot of interest until I used it all, and now all of our gifts are there. It has done us well and will continue to do so. Interest rate is at 4.5%. I've been earning about $100 a month on my money (I have it in 3 separate accounts at the moment though).
For checking I use Commerce. Open 7 days, good hours, coin counting, no problems. They had no problem letting me deposit all the checks from the wedding into my account when I hadn't changed my name yet but all the checks said "Mr. and Mrs. Dowles."
Don't go with a savings account at a local bank. Average interest rate is like 0.03 percent or something like that. Get one of the banks that has no local branches and does everything online. You'll get better rates. Just get a local bank checking account and you are set (you'll have to set up your savings account to be linked to the checking account, that's how you move money around).
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