We have a savings account with ING Direct. It is a FDIC Insured online bank. We've been account holders for many years, and are very happy with the service that they provide. The APY for the savings account is currently at 4.10%.
Periodically, they offer referral programs. You open an account with a minimum $250 deposit, and they will pay you $25, and they will pay ME $10.
If you would like an invite/referral from me, please send me a comment. I will be very happy to send you one. You don't need a referral form to join, but you DO need a referral form for ME to get the $10. (See why I want to send you a referral?)
If you do request a referral, please be sure to use it.
I sent one to my brother, and he forgot. No bonus for me! It was a sad, sad, day.
I love ING.
[This is not a sponsored post. Consider it free advertising for my favorite bank. The only way I will receive any compensation for this post is if YOU make a deposit using the referral form.]