A reader reported receiving a letter from Bank2 which announced some unfortunate changes for February 8, 2010: Top rate scheduled to drop from 5% to 4% APY, and the cap is scheduled to fall from $25K to $15K. It's disappointing, but they did keep their guarantee to keep the 5% rate through 2009. This was a great deal when I first posted on it last March when it was available nationwide. The nationwide availability didn't last long. By May it was limited to Oklahoma residents.