New to Cougarguard. Was reading through this specific forum and saw lots of talk about online savings (ie - ING, Emigrant Direct, etc.) and just thought I'd throw this out there. There is an online Checking Account through Charter Bank in New Mexico that gives 6.01% APY for the first $25K in balances if you meet some relatively simple criteria. Check it out, it's call Turbo Checking:
http://www.charterco.com/