The company ING Direct offers free banking services online. Deposits can be made by phone or by mail. Their annual percentage yield (APR) is currently at 3.40 percent. Deposits are FDIC insured up to $100,000 and accounts can be open with any amount. There is no minimum balance required. The savings account can also be linked to any other checking account you many have at another bank. Their services are free and there are no hidden costs involved.

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