I would recommend Emigrant, but not necessarily their physical branches (although i don't have any experience with their physical bank so I can't say positive or negative). Rather, Like ING, Emigrant's online banking offers extremely high rates. Right now, Emigrant is at 4.0%. They also have no minimums or requirements and you can open an account with $1. Emigrant generally has higher rates, even compared to ING and other online banks. Their website isn’t as intuitive or user friendly as ING so that is something to take into consideration if you aren’t a computer whiz. However, they do have higher rates in general. I have an account with Emigrant and also with ING. I know people that switch money back and forth depending on which bank has the higher rate, but in reality, this will only earn you a few more dollars a year. I would suggest looking at both and deciding based on the other variables like website and customer service, but would definitely recommend opening an account with at least one of them.