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As we know, banks are your safe haven. Many of us look at the interest rates in banks as a joke. With such low rates, there are some banks that are making it very easy to join.

If you think about it, with online banking, it doesnt matter which bank you use (as long as they are FDIC insured - to protect your money by the government). Given this, the way to beat the system:

1. Have a local physical branch and keep the minium
(this way you can always walk into a physical branch, whether its to cash a check or talk to a live in house person)
2. Get the best rate from an online bank
(this way, you can get the best rate for your money. Then when you need it, you can just electronically bring it over to your physical bank [#1 above] when needed).

The best rates are generally ING DIRECT. Start earning variable APY. No Fees and No Minimums!