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I believe the perfect bank for you is either ING Direct or Ally Bank. If you just want the highest yield on your accounts period, go with purple (Ally). If you want great service and an innovative checking account concept with just a marginal drop in APY (for the savings account at least) you can't go wrong with orange (ING). Either one will ask if you'd like to deposit money, but I believe neither requires it...

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Q: What bank lets you open an account with them with no deposit?
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