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I have used ING Direct, Emigrant Direct, and HSBC Direct for my Emergency Funds in the past - earning around 5%. The one I liked most was HSBC Direct, because they give you a free ATM card, which means you have access to your money immediately, versus waiting 2-3 days for a bank-to-bank transfer or when your local branch location is open. Plus I like that you can partition your account to save for different goals - such as one folder with auto-transfer set up weekly for long-term, one folder for the next big-ticket item you're saving up for, and one for vacation.

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