For what it is worth - my credit union (and I know of at least one other in town, Wausau), that pays 4-6% interest on CHECKING account balances - no minimums and about as fluid as you can get. But to qualify for that rate, you need to have electronic payroll deposit and receive monthly statements electronically, plus use your debit/credit card as a credit card at least 10 times in a month. Using their debit card as a (VISA) credit card is easier than writing a check, and does not have interest fees applied, as it is still coming out of your checking account. Pays better than most savings accounts, so I've even moved my savings balance to that account. Not sure if anyone is offering packages like that in your neck of the woods, but if you can meet those electronic requirements, it seems worth it to me for that extra money every month.