What's the best bank to open a new personal checking and/or savings account at and why?

I suggest you take a good look at Everbank, they have one of the highest interest rates on Savings accounts compared with other banks. -quote- "They will give you a 2.51% three month bonus rate and 1.77% APY thereafter up to $50,000. The 2.51%% rate beats all others and then the follow on rate helps keep the first year APY ahead of competitors.

They were named “Best of the Breed� By Money Magazine, “Best Checking Account� By Kiplinger’s Personal Finance with a yield that is 10 times the average account, and was even named “Best of the Web�

By Forbes. Com five years in a row. " -end of quote.

I suggest you take a good look at Everbank, they have one of the highest interest rates on Savings accounts compared with other banks. -quote- "They will give you a 2.51% three month bonus rate and 1.77% APY thereafter up to $50,000. The 2.51%% rate beats all others and then the follow on rate helps keep the first year APY ahead of competitors.

They were named “Best of the Breed” by Money Magazine, “Best Checking Account” by Kiplinger’s Personal Finance with a yield that is 10 times the average account, and was even named “Best of the Web” by Forbes. Com five years in a row. " -end of quote.

Here are some of the highest annual percentage yields (APY) currently offered from online banks as of this writing, in descending order of APY: 1. Everbank promises to be in the top 5% of APYs in the market, currently offers 2.25% for new customers (everbank.com/Campaigns/CDP_Spring2009/Pe... ) 2. Dollar Savings Direct offers 1.30% (https://dollarsavingsdirect.com/DollarSavingsDir... ) 3.

Ally Bank offers 1.29% (http://www.ally.com/online-savings-account/index.html?CP=44456284 ) 4. FNBO Direct offers 1.25% (https://www.fnbodirect.com/rates_lp/index.html?cepromo=F9AZ08 ) 5. Captial One Direct also offers 1.25% (http://www.capitalone.com/directbanking/?itc=CAPITALONE1112B6DN1QSWZDF ) 6.

WT Direct offers 1.16% (https://www.wtdirect.com/wtdirect/ ) 7. HSBC Direct offers 1.10% (http://www.us.hsbc.com/1/2/1 ) 8. ING Direct offers 1.10% as well (http://www.ingdirect.com/osa_work/ ) In addition, if you're willing to forgo the safety of FDIC insurance, and take a risk on your capital, you may wish to check out some peer-to-peer lending sites which offer the potential of much higher interest, albeit with a concomitant increase in risk to your principle, not just your interest.

Two such are: - LendingClub. Com which claims an average of 2.253% net annualized return (see https://www.lendingclub.com/account/registerInvestor.action?reg_referrer=BsG0sucm ) - Prosper. Com offers three types of portfolios, ranging in estimated return from 6% to 16% per year, depending on how aggressive you wish to be (see everbank.com/Campaigns/CDP_Spring2009/Pe...0 ) or you can bid on a specific loan you wish to make to a specific borrower, and decide what minimum interest rate you wish to get to make the loan (though others will be bidding against you, each trying to get the loan by offering a lower interest rate).

For this last, see everbank.com/Campaigns/CDP_Spring2009/Pe...1 . To read more, see http://www.moneybluebook.com/the-best-online-high-yield-savings-accounts/ for explanations on what makes for a good account, as well as reviews of some of the above banks (note that the interest rates quoted there are not as up to date as the ones I provided above). Disclaimer: The above is intended for informational purposes only.

You should consult with a financial professional before making significant financial decisions.

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