So I have my emergency funds savings parked in a Captial One 360 savings account. Have been using this for over 10 years now, mostly when interest rates were so low and there was no point in looking elsewhere. Cap 1 is still sitting at 1.00%APY and I am now starting to look around at alternatives because I would like to start getting some more out of my savings account. So I was looking and saw some of the other internet banking firms and their interest rates look really good. MySavingsDirect just upped to 2.25%. But I know nothing about these other internet banks. When I originally opened my account Cap 360 was ING, which I know was pretty good. So I am looking for any experience you all might have with this company or one similar to them. They are FDIC insured and they don't require a minimum balance which I like. The thing that always kept me with ING/Cap 360 was you can have like six different accounts under my name and I can calls these different names to keep different pockets of money open for certain expense that come up through the year like (Christmas, kids birthday, car fund (want to pay cash for my next car)) I am not sure if these other internet banking companies offer this sort of incentive.