Like several others, I have been with Capital one 360 since they were INGdirect. I am very happy with them, but Ally bank usually has higher rates and so I find I think about switching fairly often. fyi, the Capital one 360 checking account has a higher rate than their savings account if you have a lot of money to stash. So I actually keep more in my checking. But their money market account has higher rates than both savings and checking accounts. I use Bankrate.com to look at current rates. That's how I found INGdirect long ago. Some banks have high rates for awhile and then drop down, but Ally Bank consistently has some of the highest rates.