top 4 internet savings accounts compared

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My friends know me as the Yoda of Online Savings. I'm always wondering around muttering things like build emergency fund, you will or pays 4.25%, Emigrant does or perhaps credit card debt leads to fear, fear leads to anger, anger leads to suffering.

Yep, you just can't get around it; I'm a big fan of high yield internet savings accounts. Below you'll find a quick summary of all the major (highest paying) players. All accounts have no fees and no minimums. Simple. Easy. No affiliate links. Just great tools to help you put away cash until you need it.

Bank	Interest Rate	Review	Signup Bonus
HSBC Direct	4.80% until 04/30/2006 Variable thereafter	Signup requires waiting for snail mail. Good rates and functional interface. Free ATM card!	$25 with promo code START
ING Direct	4.75% until 04/15/2006 3.80% thereafter	Best interface and support Easy to use and signup is a breeze Referral bonuses for Savings and Mortgage	$25 with invite (see below)
Emigrant Direct	4.25%	Highest non-promo rate Poor support/interface MasterCard with 1.25% cash back	NA
Capital One	4.00%	Name Brand Easy to use and setup Second highest non-promo rate.	NA

PayPal Pays well too
PayPal offers pretty good non-FDIC insured returns on their money market accounts (which pays on your PayPal account balance). I've been earning in the 4.3% range. It is pretty simple to signup so I’d suggest checking it out.

ING Direct Invites
You can post invites or find invites here. I also have a few left to give out so feel free to email me at 2e{at}xents.com Oh, and FYI, I make $10 off an invite if your do signup through me.

Did I miss something?
Have your own experience or review to share? Did I miss something? Please post to the comments section. I plan to regularly post updates to this list to keep it current.