Bogleheads member describes
a problem with SmartyPig issuing a wrong 1099. SmartyPig claimed it was WestBank's problem, and then WestBank blamed SmartyPig. This might not have happened if SmartyPig offered joint accounts. It's also a good lesson to make sure you review your 1099s.
Refer to my SmartyPig review
for more details about this savings account. It's one of the few savings accounts that still offers 2% APY.