Online Savings Accounts

[Halon]

Who else uses these? The 3 main ones I know of are:

ING Orange Savings (4.10 APY)
Emigrant Direct (4.55 APY)
E-Trade (5.05 APY)

I have savings accounts with both ING and Emigrant, with a majority of it being in Emigrant. I was looking into E-Trade now also since it has the highest APY. The only thing I see that I don't like is they say "$15 per each Bank check request". I don't really know what that means so it may be no big deal.

Anywho, just wondering who else uses these online savings accounts. I love mine because their interest rates are always a bit higher then my local banks savings accounts. I still keep my Credit Card and Checking accounts with a local bank though, because I like being able to walk in and talk to someone if I have an issue with something. Savings I really only deposit into and rarely withdraw, so I usually don't run into issues there.