Why not go with a credit union? I walked into Wells Fargo and asked about the CD rates and they were willing to negotiate with me… It was weird. They seem like a bunch of kids running a bank. At least, at the branch in Sorrento Valley at Carroll Rd. (aka Scranton) and Mira Mesa.
Online securities accounts work just like savings but you can also purchase stock when your favorite company seems like a bargain. Look into those!
I’ve been happy with Wamu but do limit myself to below FDIC with them.
