I've used Barclays for several years to hold my emergency fund, and have been quite pleased. Before that, I had money at ING and Capital One, but it seemed like every year or so they would switch their accounts around and my emergency fund would no longer be in their highest earning account. With Barclays I have not had that problem. Admittedly, their user interface is a bit bare bones, and I don't know about their customer service...but those things aren't that important with account that will (hopefully) have no transactions in or out.