Here are some of the details:

• No minimums or fees
• Only a $1 deposit required
• The rate is guaranteed through 8/15/2008
• ATM cards are available
• Unlimited links to external accounts
• No hard credit pulls

HSBC is one of the world’s largest and most reputable banks, so losing your money is probably a non-issue. Of course, it’s FDIC insured for the standard $100,000.

Here’s a summary of the iGOchecking’s features:

• 2.65% APY on balances $1 and up (as of 5/12/08)
• No monthly service fees
• No paper checks
• Free online bill pay
• MasterCard Debit card (available soon)
• ATM usage is free at Allpoint Network ATMs
• $1.50 fee at an domestic out of network ATM
• $3.00 fee at an international out of network ATM
• $1.00 fee for PIN based debit card purchases
• No charge of signature based debit card purchases
• 5 day hold for all deposits

iGObanking.com has maintained a competitive savings account rate since it was launched in 2006. It’s now down to 3.28% APY, but this is still better than many other online banks such as HSBC and ING Direct. iGObanking.com also has a history of competitive CD rates. Currently, the best deal is a 4% APY 24-month CD. The minimum deposit for CDs is $500. Please see their rates page for the latest rates.

Here are the details of this new Way-2-Save savings account:

• Current yield is 5.00% APY
• At the end of the first year, there’s a 5% bonus on the balance (up to $300)
• At the end of the second and third year, there’s a 2% bonus
• Maximum $100 per month transfer is allowed into the account
• Additional $1 deposits into the account happen for every debit card purchase, online bill pay or automated debit transaction
• Only available for personal accounts, not business accounts

Let’s say you do 20 of these debit card and online bill payments a month and you do the maximum $100 per month transfer, you’ll have $1440 in the account at the end of the year ($240 + $1200). So the first year bonus will be $72. This would be on top of the 5% APY that you would be earning during this time.

Their Free Checking does qualify for this account, and you don’t have to open a new one to sign up for this Way-2-Save program. Some things to keep in mind regarding Wachovia’s Free Checking:

• No monthly fees or minimum balance requirements
• Readers have reported a hard credit pull during the application
• Wachovia also does a ChexSystem verification
• Checks are not free but are optional. Prices vary by state.
• Overdraft fee is $35
• A savings account (including Way-2-Save) can be used for overdraft protection

• Provident Direct’s Savings: 3.75% APY (was 4.50%)
• EverBank’s MMA: 4.01% APY 3-month intro (was 4.51%, ongoing remains at 3.51%)
• ShoreBank’s Savings: 3.30% APY (was 4.15%)
• UmbrellaBank’s MMA: 3.75% APY (was 3.90%)
• Zions Bank’s Deseret MMA: 3.41% APY for $1K to $50K / 3.57% APY for $100K+ (was 3.87%/4.03%)
• WaMu’s Online Savings: 3.30% APY (was 3.55%)

The e-Savings Account was Citibank’s first high-yield online savings account. It’s not a stand-alone account, but actually requires customers to have or open a checking account in the Citibank EZ Checking, Citibank Account, Citibank Everything Counts®, or CitiGold® Account relationship package. New checking accounts must be opened at the time of opening the e-Savings Account. The Citibank e-Savings Account must also appear on the same statement as the checking account.

The checking and e-Savings accounts become a relationship package. As long as customers retain the relationship package, it will be free of monthly maintenance charges and per-check fees. If at any time the e-Savings Account is not statement-linked to one of the checking accounts, the e-Savings Account will no longer earn the high yield, but instead will earn interest at the rate then applicable to the Citibank Day-to-Day savings account.

The e-Savings Account has no minimum balance requirement and counts as one of the three products or services required to help you earn ThankYou Points.

Your initial deposit can be funded via a transfer from your current bank account, by using your credit card, or by mailing in a check.

Once your account is open, you can deposit money into your e-Savings account at a Citibank ATM, by visiting a Citibank Financial Center, or by mail. You can also transfer money into your Citibank e-Savings account from an external (non-Citi) account using Citibank’s Inter Institution Transfers.

The e-Savings Account is probably best for those who live near a Citibank branch or ATM machine and who have or intend to use a Citibank checking account. Having a checking and savings account at the same bank makes many things easier such as record keeping, the ability to use on online system for both of your accounts, and faster transfers between the two accounts.

Their savings account features:

• $1 minimum deposit to open account
• No minimums or account fees
• No hard credit inquiry
• Free online ACH transfer system
• 6 withdrawal limits per month
• $100K per day limit on outgoing and incoming ACH transfers
• ACH transfers complete in one business day
• 9 day hold time for initial deposit (ACH or check)
• No hold for wire transfers

You can also sign up for a checking account that features:

• 3.25% APY on balances over $5,000
• Unlimited ATM fee refunds
• Free online bill pay
• Unlimited check writing
• Online check and deposit images

E*Trade has seen some financial problems recently, but as long as you keep your deposits under the FDIC insured limits there should be nothing to worry about. If you already have an account with E*Trade, you can link this new savings account to it. Visit their website for more information.

Here are some of the details of this e-Savings account and the promotion:

• 5.11% APY for balances from $1 to $100K, 4.60% APY for over $100K
• Guaranteed for the first 90 days
• No minimum balance fees
• Promotional rates available only for new accounts opened with funds not previously on deposit with AmTrust Bank
• Limit of one e-savings account per customer.

WTDirect has FDIC insurance on every account with Wilmington Trust FSB, which protects your money up to $100,000 per depositor. Bankrate.com has given WT Direct a review of 4/5, which is a safe and sound rating. For more information, call their customer service hotline at 1-800-WTDIRECT or visit their savings account website here.

Standard features

• Open an account with as little as $25
• Free Online Banking service
• FDIC insured to the maximum amount allowed by law
• Avoid service charge of $3 with automatic monthly transfer of $25 or more from checking or with minimum balance of $300

Flexible account options

• Transfer money to or from checking
• Monthly statement if you use an ATM or have transfers or a combined statement. Other statements issued quarterly
• Easy access to your funds at any Bank of America ATM or Banking Center

However, their savings account has a lot of rates and fees. In addition, the rate on this account is a paltry .20%.  APY! You’d get a much better return with WT Direct’s 4.90% APY savings rate and or WaMu’s 4.75% savings account.

• $1,000 minimum to open and earn interest
• No monthly maintenance fees
• Must be a US citizen
• Can be funded by ACH transfer or by mailing in a check
• 9 day hold before your initial deposited funds are available
• Online application with nothing to mail in for most cases
• After the application, an email will be sent with instructions allowing you to register for Online Banking
• No hard credit inquiry
• ACH capability for electronically transfering funds to and from your other banks
• Interest is credited and compounded quarterly
• Accrued interest will not be paid if you close an account before the accrued interest has been credited

This online savings account account was originally called the UNITY Internet Savings Account and only required a minimum balance of $10 to open and earn interest. Late in 2006, they created the UNITY Gold E-Savings Account with the $1,000 minimum. According to some readers who had the old account, they were able to keep that account with the old minimums. But new customers can only open the UNITY Gold with the $1,000 minimum.

BankRate.com’s review gives OneUnited a 3/5 star rating.