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Feel free to explore, but both ING Direct* and Ally Bank offer great rates for their savings accounts and checking accounts. First National Bank of Omaha (FNBO) also offers online accounts for savers out there- I believe that they have a checking account as well. American Express also offers banking to individuals whether you carry one of their cards or not, but for now they only offer a high-yield savings account. If you choose to get an American Express savings account but need an online-based checking account, check out the current offers from PerkStreet.

One thing to note: since you are dealing with a bank that may not have a physical branch, you will need to fund your online account either by sending in checks made out to yourself or making an electronic transfer from another bank.

* edit: ING Direct was renamed Capital One 360 after being acquired by Capital One. They were purchased in mid-late 2012 and launched the new name at the start of 2013

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