I love my savings account. Its an online account with a bank in New Jersey. Its one of the highest interest rates in the nation currently. From what I have seen within .1-2 % points away from highest in the nation, savings or money market accounts.
Not entirely liquid, but you get your funds into whatever accounts you have linked with them within 3 days generally speaking, which is liquid enough.
never had a problem with BoA, but only have them for one card, which was MBNA.
I do my checking with River City Federal Credit Union. Never had a problem with them, only thing I dont like is that there are not enough ATM branches and they dont have nearly enough stuff online that can be used with various programs that sync it for you.
Havent been tempted enough to switch to anyone else, nobody throws me enough of a bone really.

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