My only tip is Kasasa checking account. You can google it and find a bank that will cover your state. It's a FDIC insured checking account. You need to do like 12 debit card transactions per month, get estatements and have 1 direct deposit or bill pay completed per month. It's my 3rd year doing it. I just moved to a new bank offering the Kasasa which offers 3.05% on up to $20K (I keep $20K+ in there to get the full $600+ in interest per year). While the bank is out of state, I did everything over the internet and talking to one of their sales reps. No fees, reimbursed up to $20 per month or so on ATM charges, free checks. I just monitor each month to ensure I hit more than the 12 debit card transactions so I get the full interest. Hopefully something will fit for your area.
Other than that, ING is .75%