Looks like HSBC is offering a limited-time bonus for opening one of their 4.00% APY Online Savings Accounts, its so much better then my realtive to my Citibank "High Yield" 1.00% APY . This is it refferal based, but you must use this HSBC Direct $25 Bonus Link and the promo code 'start'. This is similar to other no-fee bank accounts, you must open with $1. One neat feature of this account is that you can link up unlimited other accounts without having to send in a voided check.