I've decided that the convenience of dealing with only one financial institution does not outweigh the awful.5% interest rate on my savings account. A couple days ago, people commented about high interest online savings accounts. I've heard a lot about ING, with its 4.15% rate. And recently someone mentioned HSBC accounts, at 4.65%. I compared on bankrate.com, and I'm tempted to just go with HSBC for the higher interest rate, but I'm wondering if anyone here knows anything more about the two companies to help me compare? Thanks!