So Far So Good

So far so good.  Transferred large sum to their hi-yield advantage checking back in Nov'09.  Interest rates still 3% apr.

Their website could use some overhaul.  They charge a monthly fee for their MoneyHQ transfer system.  But you don't have to use it.  Can do standard transfer on their regular transfer interface. 

They do require a lot of paperwork, even for simple things like adding an external transfer account at another bank.  But if you are patient and promptly respond to their requests, things go smoothly.

Their qualifications to meet the hi-yield interest are just slightly easier than other banks.  I use their debit card for all my purchases under $10.00.  It's easy to meet their 10 debit transactions monthly using that method. ;-)