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If you are referred by one of your friends from ING, you can get $25 bonus! To get the bonus, you must have to use the link sent to you by your friend and deposit $250. You will receive the bonus immediately! (At least from my own experience) The drawback is: you have to wait about 15 days to use the money. After that, you can transfer money as you wish.

PS. That’s really good. If anyone wants to get a referral, you can send email to me.

When you have money, you want to put them into a high yield account. If you’re familiar with mutual funds or other invest methods, go ahead! If you are lack of invest ideas and knowledge, you can put your money in a saving account which is much safer than other invest methods. You can withdraw your money from saving account at any time when you need it. SO I did some research and list some high yield saving accounts for my readers.

ING Direct Electric Orange Checking Account: you can get 4.00% APY for balance under $50,000; 5.25% APY for balance between $50,000 and $100,000; 5.30 APY for balance higher than $100,000. You can also get a free mastercard debit card which allows you get money at 32,000 ATM worldwide.

ING Direct Orange Saving Account: you can get 4.5% APY for this account which features no minimum balance requirement and no monthly fee. You can get $25 from ING if you are referred by an existing customer.

Washington Mutual: you can get 5.00% APY for opening a wamu free checking and saving account online. If you want to get the 5.00% APY, you must have to apply for both accounts. The minimum amount to open a checking and saving account is $1 each. NO minimum balance and fees apply.

E-LOAN Online Saving Account: you can get 5.00% APY from E-LOAN, an online bank, for minimum balance $5,000.

WILMINGTON TRUST Direct Saving Account: the APY is 5.26% for balance over $10,000. No FEES!

HSBC Online Saving Account: the APY is 5.05%. This account features no fees and no minimum balance. You have to put in $1 to open this account online. (HSBC is famous for banking but is a newbie in credit card market.)

Emigrant Direct AmericanDream Saving Account: the APY is 5.05%. This account also features no fees and no minimum balance. AmericaDream! So attractive to foreigners?

CapitaOne High Yield Money Market Account: APY is 5.00% and you will have a debit card. NO fees and minimum balance applied. I don’t like CapitalOne. How about you?

Citibank Ultimate Saving Account: APY is 4.75% with no monthly fees and minimum balance. If I am right, they also offer $50 bonus for opening a new account. SO just wait until the similar offers come up.

AmtrustDirect e-Money Market Account: APY is 5.31% with no monthly fees and minimum balance is $1. You will also need $1 to open this account.

E*TRADE Complete Savins Account: APY is 5.05%. No monthly fees and minimum balance required.

Countrywide Bank Savingslink Account: APY 5.50%. $1000 minimum to open an account. This is a major US home loan lender. SAFE to put money there? FDIC insured.

GMAC Bank Money Market Savings Account: APY is 5.30% for balance higher than $500. You will also need to keep $500 minimum balance to avoid service fee. I hate this!

Ok. I think I have provided enough choices for you. Next time I will write about CDs.

Bank of America (BOA) now is offering $100 bonus for opening a new MyAccess checking account. The offer code is AOU2609. You can open MyAccess checking account online or by visiting a local branch. Offer expires on November 30, 2007. However, you should be aware that you have to make $100 minimum deposit to get the bonus. NO direct deposit required, NO minimum balance required. From BOA, the $100 will be deposited in 90 days after you open a new account. This offer is only for new customers. Hurry up!

Hi, I am writing about the Chase Bank offer for our new customers. At first, you can get $100 for a new Chase checking account with direct deposit (DD). If you have a $25 coupon from your friends, you can get $125! Amazing offer! Then you can ask for $25 coupons from the banker. After you give the coupons to your friends who are willing to get an account from Chase. You can get $25 for each refer. Awesome! Wait! There is more you can earn from Chase!!! Register you chase check card with this link: https://www.chase.com you can get $50 for simply using your chase check card over$500 by October 15, 2007. Emm…. Chase is so nice for our newbies. If you don’t want to put your stipend into the chase checking account, there is a desent way to setup the DD. Use your paypal account, and send a certain amount (can be as little as 1 cent) to your chase checking account every month. Chase takes the paypal transfer as DD. You can also transfer the money from ING Direct account to your chase account. Can you imagine how much you can get from Chase??? If you can’t spend $500 before Oct 15, 2007, go to wamart and buy a $500 gift card. Make sure you use the debit card as credit card (you tell the cashier that you want to use it as credit car. Don’t input your PIN! In this way, you can buy foods from Walmart with 10% off!)