So, I park most of my day-to-day money at ING Direct, and use that account to pay off my credit card monthly. Instead of making a tiny amount of interest at the credit union where I have my checking account, the ING account fluctuates between 2.5 and 3.5%. If you're looking for a new account, let me know; with a referral you get $25 free, and I get $10. Not a bad deal.