If you answered yes to any or all of these questions then you are in a position to be introduced to Breeze. We are not talking about the breeze coming through your bedroom or kitchen window but the Breeze banking experience. Breeze by Standard Chartered Bank in Singapore is a simple application that is in plain language and has no fancy banking jargon to sift through. It is convenient and versatile and it allows you to personalize and customize the site to meet your specifications.

This all may sound good to you but you may wonder what Breeze is exactly. Breeze is easy to define. It is a new generation online banking platform that was designed and produced by the Standard Chartered Bank (also sometimes abbreviated to Stan Chart). It is mobile banking, or if you prefer online banking or internet banking. It is banking made simple and banking created with the customer in mind!

The aim of the StanChart Breeze is to make banking as carefree as possible. In other words, to make it a breezy experience as opposed to an exhausting one! Developed in Singapore, Breeze is available in Singapore and Malaysia. Later on down the line it will show up for customers in Hong Kong and India. Later on from there it will be revealed to the rest of the customers across the globe.

Breeze is an internet application for your banking. It is also available as an iPhone application for those who prefer to have this type of application. If you like iPads then the iPad app will be available in both Singapore and Malaysia as of an undisclosed date in September 2010.

Breeze is banking with ease. It takes your banking to a new level- a new and improved one that is progressive in every way. Be aware that you must be an account holder with the Standard Chartered Bank before you can enjoy the happy and breezy experience that Breeze banking brings with it. The wonderful thing about Breeze is that its interface is user friendly and user savvy. Whether you have been banking online for 10 minutes, 10 days, 10 months or more you will pick up the mechanics of the Breeze’s interface in a matter of mere minutes.

Breeze is free of charge and can be accessed fast and conveniently using either a Wi-Fi connection or a 3G. Use it when you are at home, when you are at work, when you are traveling or when you are standing in line at the grocery store! Just use it! Learn More about Internet Banking Service visit Breeze by Standard Chartered

For starters, the UBM Direct Savings program allows you to open a high yield savings account with a deposit of just $1,000.  This program also provides money transfer services so you can move money from your account online virtually anytime wanted.  Additionally, for everything you get to enjoy with Ultima Bank, as long as a $1,000 minimum balance is maintained no service charges would apply.  Of course, with the interest rate being one of the best in the country, it is easy to see why so many people entrust their hard-earned money to this bank.

While most banks enjoy the benefits of modern technology, Ultima Bank capitalizes on it.  Thanks to the internet, secure hosting, and ecommerce capabilities, this bank has been able to devise offerings for customers that not only meet customer’s expectations, but also exceed them.  Regardless of the customer or the amount of money being invested into UBM Savings Direct, the bank’s vision is to streamline processes while also offer innovative products.

Initially, Ultima Bank of Minnesota was called Farmer’s State Bank of Winger when it was founded I n1904.  Then several years after being founded, the name was changed to Farmer’s State Bank of Fosston-Winger.  When the doors first opened, the bank’s primary focus was on the smaller farming community but with changing times, the now Ultima Bank also changed.  As technology advanced, what was only a vision has now become the bank’s reality.

While Ultima Bank offers several services to include checking, certificates of deposit, retirement plans, and loans, the UBM Savings Direct offering is what has people excited.  Today, the compounded Annual Percentage Rate is 1.10%, much higher than you would ever get from a traditional financial institution.  This competitive and high yield savings account is handled completely online, making it a convenient way to manage money.  A few of the other services associated with the Ultima Bank high yield savings includes secure online access via TeleBanc, direct deposit, and imaged statements available online and/or delivered via email.

In today’s economy, it is important to choose a bank that is going to work for you by offering competitive interest but also outstanding customer support.  With Ultima Bank, this is exactly what you get.  Customers currently using this online bank are more than pleased with every product and service.  Instead of wasting your time trying to earn interest on your money with a local bank, it would be worthwhile to investigate the difference in what you could earn in the same period by choosing the UBM Savings Direct program offered through Ultima Bank.

It is important to realize that while some banks look exceptional from the outside, until you go over the fine print the true offerings would not be fully understood.  The good news is that with online high yield savings being incredible important to consumers, finding a bank that offers everything you want would be relatively easy.

We suggest that you spend time online comparing not only rates, but history, customer support policies, and the particulars for opening a savings account between several banks.  That way, you would be able to narrow the choices down and ultimately choose the one that would help earn the most on the money you deposit.

Currently, one of these online savings banks, iGOBanking.com, offers an Annual Percentage Rate of 1.21%.  To open a savings account to enjoy this rate, you would be required to make a minimum deposit of $1,000.  In addition to a competitive interest rate, this online bank makes controlling your money easy and smart.  To get started, there are no fees with everything handled online.

No matter the reason you want to save money, unless you earn the highest interest rate possible, you are missing a huge opportunity.  Because iGOBanking.com has made the application process and ability to manage money so easy, you could have the account set up in no time and be on your way to making more money than you ever could with a conventional bank.  After the account has been opened, you could access it anytime but better yet, you could check balances, transfer money, look at statements, and other tasks at home, from the office, or even while traveling on vacation.  All you need to enjoy the high 1.21% interest is a computer and secure internet connection.

The savings account offered through iGOBanking.com is considered one of the best.  However, this reputable online business also offers high yield on checking accounts, certificates of deposits, and money market accounts.  Therefore, this bank is a comprehensive solution that could provide all your banking needs but with the same high interest and exceptional service.

iGOBanking.com is actually a division of Flushing Savings Bank but with only online solutions.  Being connected to this bank means that the online division is insured by FDIC but also FSB.  Flushing Savings Bank has been around since 1929 and today, it remains a key player in the world of online savings.  Therefore, it would only make sense that iGOBanking.com would also operate under high standards.  With so many features hard to find with conventional banks such as wire transfers for a very small fee, this bank shows the new way in which people are saving money.

The high yield savings coupled with stability and integrity, customers of the bank can feel 100% confident their money is being protected while earning the most money possible.  From late 2009 to February of 2010, the interest rate being offered on savings through Colorado Federal Savings Bank had dropped from 1.70% to 1.50%.  Then by August 13, 2010, the rate had fallen again, this time to 1.20%.

Even with some change regarding the level of interest being offered, when compared to the amount of interest you would earn putting your money into a savings account with a conventional brick and mortar bank, even this reduction helps this Colorado bank to outperform.  To start enjoying the high yield this bank offers, you would first need to set up a savings account through the bank’s website.  Of course, if you needed any assistance, the professional staff is there to help.

Many people still have concerns about managing money online primarily because of the increase in cases of identity theft.  The good news is that Colorado Federal Savings Bank has every security measure in place to keep personal and financial information safe.  For instance, only the most current and innovative browsers are used and all data is secure thanks to the key-9 encryption software.  With this, unauthorized individuals would have no way of reading your information.

Now, to open a savings account with Colorado Federal Savings Bank, there would be a minimum deposit required of $2,500.  Once the deposit has been completed, money transfers would be allowed going to and from the original linked account.  Keep in mind that currently, Colorado Federal Savings Bank does not modify the linked accounts so when choosing the checking account you would connect to this online savings account, make sure it is the one that would remain open for many years.

You will also find with an online savings account through Colorado Federal Savings Bank not only is interest higher but gaining full access through ACH would also be offered.  In addition, according to current FDIC rules, the money in your savings account would be protected up to $250.000.  To open an account, the process is extremely quick and easy, something you could do from the comfort and privacy of the home.

Keep in mind that while your information would be carefully protected and any private information provided to Colorado Federal Savings Bank, if you want to make sure that this information would never be shared, you could always opt out.  With this, only Colorado Federal Savings Bank would have your private information while any affiliates and non-affiliates would be blocked.  As a result, the only information that would be seen by people outside the bank would be information allowed by law.

For many years, Choice Financial provided a variety of online products, which did not include savings but recently, this financial institution has started offering online savings as a means of staying competitive and better serving customers.  As a result, Choice Financial has been able to reach out to customers around the country but the greatest offering is the 2.76% Annual Percentage Rate.  Compared to what most other online banks are offering, this interest rate is truly astounding.

Now, there is a catch in that the 2.76% APR is only on deposits for the first 30 days.  However, even after the 30-day introductory period, Choice Financial still offers a competitive rate.  The actual amount earned would be based on certain criteria.  For instance, if you maintain a balance in the savings account between $5,000 and $24,999, interest would be paid at 1.76%.  If you were to maintain an account balance between $25,000 and $99,999, the rate would increase to 2.01%.  Then for balances of $100,000 and more, interest climbs even more to 2.26%.

Regardless of the situation, Choice Financial has high yield rates.  When you look at interest your regular bank pays, you can see the substantial difference through this online bank.  In addition, one of the challenges that people face when opening and managing a savings with a brick and mortar bank is that interest paid can be changed whenever wanted.  By choosing Choice Financial, you would have the opportunity to lock into an interest rate, but not just any rate, a competitive rate.

Some of the specific features you would enjoy by opening a high yield savings account with Choice Financial include easy and convenient online application, interest being credited quarterly, FDIC protection, and several funding options to include ACH, wire transfer, and check.  Choice Financial savings accounts are designed for personal accounts only at this time.  The minimum deposit amount is $5,000 and the maximum $250,000.  One thing to keep in mind is that if the account were closed within the first 90 days of opening it, you would be penalized $50.

In exchange for opening a high yield savings account with Choice Financial, you would receive some of the best customer support in the industry.  For this, a bank representative would go over all the account details with you whenever wanted to include balances, account history, images of deposits and withdrawals, and your choice of printed or view account statements.  In addition, you would be able to transfer money to and from accounts with this financial institution, download account information to Quicken, QuickBooks, and MS Money or MS Excel, and for added convenience, set up reminder messages.

As you look at the different online banks offering high yield savings, you will find that each has something unique to offer.  The goal is to compare all the different features and services specific to savings, finding the bank that is going to pay the highest interest but also work with you to help you achieve your goal for saving in the first place.

Regardless of the reason you want to save money, if you are going to put funds that you work hard for away in a bank then it might as well pay the highest yield you can find.  That way, your goal of saving and earning money would be achieved and probably faster than imagined.  To put the value of this high yield savings into perspective, with interest at 1.40%, the account through SallieMae is paying six times the national average for interest paid on conventional savings accounts.

Most people think there must be some catch to enjoy the benefits of a SallieMae online savings account.  In truth, there is no minimum balance required to open an account, a process that could be completed within just a few minutes.  Deposits up to $250,000 is also protected with FDIC insurance and with interest compounded daily, it adds up extremely fast.

SallieMae is the leading saving, planning, and paying company in the country for helping people complete a college education.  Established more than 40 years ago, this company has created some incredible programs to help 31 million people with financing and savings needs.  Although money could be saved in a high yield savings account with SallieMae, the primary goal is to help people save money through more than 520 different college savings plans.

SallieMae along with its subsidiaries now manages education loans in the amount of $182 billion and serves more than 10 million students.  Recently, the company started yet another program called Upromise, which allowed 12 million members of the company to make more than $525 million in the way of rewards that could be used to help with college expenses.

The bottom line is that all the different programs that SallieMae offers, each is unique, as is the case with the high yield savings.  Considering this company has a relatively short history when compared to other companies trying to accomplish the same things, it is impressive to see what all it has accomplished.  While connections to the federal government ceased in 2004, SallieMae has moved forward and remains a highly respected company with multiple financial solutions.

Just imagine being able to earn far more money and in less time by making deposits in a high yield SallieMae account online than by making deposits in a bank you have done business with for years.  Of course, being able to transfer money, look at balances, link between a conventional checking account and the SallieMae savings account, and having customer support 24×7 is a huge advantage over the more conventional type of savings.

Although Dollar Savings Direct was launched as a Spanish language online bank as a means of reaching out to the Latino and Hispanic communities, it services all ethnic groups.  Today, the goal of this bank has been achieved, which is apparent in the number of Spanish speaking customers who have chosen to open a savings account to enjoy the high interest rate, excellent features, and outstanding customer support.

Interestingly, when visiting the original bank’s website, you would automatically be connected to Dollar Savings Direct.  The efforts of this back are finally paying off, thanks to the high interest rates, but also rate promotions.  Currently, customers are being paid 1.20% APR when opening an online savings account with this financial institution.  A few of the key highlights that come with an online savings account includes quick and easy account setup, no fees, only a $1,000 minimum account balance, 24×7 account access, and the savings account can be linked to virtually any checking account, whether with Dollar Savings or another bank.

Since being founded in the 1920s, the bank has grown significantly and evolved to meet consumer demand.  Although today the focus is on Latino and Hispanic people, the bank was initially established by Irish emigrants.  According to the latest reports, Emigrant Bank, along with affiliate regional banks, assets are close to $16 billion and total equity capital $1.2.  However, for the Emigrant Bank alone, assets are at $12.0 billion with total equity capital around $900 million.  With these numbers, it is easy to see why Dollar Savings Direct is considered a stable and secure choice.

Of course, the bank also provides insurance protection under FDIC up to $250,000 for each depositor.  However, for a joint account, insurance would be separate, meaning total deposits would be insured with FDIC up to $500,000.  Then, if deposit accounts were setup in different ownership categories, Dollar Savings Direct would have the ability to extend the FDIC insurance, something hard to find with other banks, even those offering high yield savings accounts online.

If interested in opening an account with Dollar Savings Direct, you would receive a confirmation, along with detailed instructions specific to the account status.  Once the account has been setup, it could be funded in several ways to include check.  However, checks are accepted only for the initial deposit.  With the money in the account, you can gain access to it by logging on to the website and making an electronic transfer to the account you chose to link.  All transfers are completed via ACH, which take between two to four days to complete.

You would even have the option of setting up regularly scheduled transfers from the linked account into your high yield savings account with Dollar Savings Direct.  Simply click on the Transfer Tab after logging on and then choose a one-time or schedule transfer.  The bottom line is that everything associated with Dollar Savings Direct is easy and convenient.  However, the bank also provides all services and products with the customer in mind.

Typically, when people think of savings accounts, the large, well-known banks come to mind but one bank that should not be overlooked is called SmartyPig.  Although some people have never heard of this financial institution, it is actually very stable and has some incredible offerings.  The interesting thing about SmartyPig is that the current Annual Percentage Rate of 2.01% being offered on savings accounts is actually higher than what most major banks offer.

A primary difference between SmartyPig and other online banks offering high yield savings accounts is that its primary focus is on savings.  Many other online banks offer a full spectrum of products to include mortgage loans, checking accounts, money markets, CDs and more, throwing savings into the mix but with SmartyPig, the goal is to provide consumers with a great savings account that comes with competitive interest rates.

Another distinct difference with SmartyPig is that as a part of opening a high yield savings account, consumers are required to set up a goal.  For instance, a person might list the goal as saving money to attend college, purchasing a home, buying a car, taking a lavish vacation, preparing for an emergency, etc.  Now, if the individual were unsure, the “miscellaneous” category could be chosen but overall, SmartyPig encourages everyone to have some type of goal for saving.

To open a high yield savings account with SmartyPig, specific criteria must be met.  For instance, the individual would need to provide his or her driver’s license number or state issues identification number, a social security number, home address and if less than two years, a previous address, an email address, birth date, and both day and evening phone numbers.  From there, consumers would need to accept the terms and conditions, as well as electronic delivery disclosure, and then create five specific security questions.  Other criteria for opening a high yield savings with SmartyPig includes choosing a security phase and image.

In return for going through this process, SmartyPig, which has recently won the First Annual Phitus Award, provides access to opening an account online.  While these security measures may seem like overkill to some, the truth is that people should see this as a bank being professional and responsible.  Unfortunately, most people shy away from SmartyPig because of the name.  They assume the bank is some fly-by-night scam but in truth, it is a subsidiary of the West Bank of Des Moines, Iowa, which is a member of FDIC.

Once the savings account with SmartyPig has been established, customers would have the ability to withdraw money when wanted.  However, the method used by this bank is different from what other online savings banks offer.  With SmartyPig, consumers have two options.  First, after the consumer’s goal has been met, a gift card of the consumer’s choice, offered through a number of different retailers, would be funded with a bonus as high as 12%.  Second, cash accumulated would be made available on a bank branded MasterCard debit card that can be reloaded.

People need to remember that the SmartyPig high yield savings is setup to help people save, thus the goals.  Therefore, they discourage customers from withdrawing money prior to the goal being met.  Even so, ACH withdrawals are offered at no charge and if the customer wanted to withdraw all money being saved toward the goal, this would be allowed.  Typically, goals with SmartyPig’s high yield savings account take four years to achieve, which is why offering high interest is possible.

Considering this unique option, SmartyPig is without doubt an excellent consideration for people looking for a savings account that pays high interest.  One important note is that without a routing number or customers being provided with an account number, an outside source to initiate an ACH transfer cannot be done.  In addition, consumers cannot set up direct deposit for payroll checks.  Even so, for the person who is serious about saving and willing to dedicate time needed to achieve a specific goal associated with the saved money, SmartyPig and the high interest rate it pays is a great consideration.

Best of all, when an account is opened online with ING Direct, the customer can have the new savings account so it links directly to their regular checking account with another bank or credit union.  To open an account, the process is extremely easily.  Literally, the individual would log onto the ING Direct website, complete and application, and have it submitted in less than five minutes.

While ING Direct offers a number of different banking products such as home mortgage loans, investment opportunities, retirement funds, business accounts, IRA Savings and CDs, certificates of deposits, checking, and more, the “orange savings” with an Annual Percentage Rate of 1.10% has everyone excited.  Although this high yield account may not pay interest as high as what you would see with some of the other online banks but ING Direct is still competitive, along with offering other benefits.

Today, the number of brick and mortar banks now getting involved with online services is staggering.  In addition, many banks are skipping the conventional means of banking and heading straight to the internet.  With ING Direct, they have the ability to provide services online, as well as by mail and over the phone.  Because they have eliminated the enormous costs for operating a standard bank, the savings can be passed onto the customer, as in the case of the high yield savings.

This global financial institution is of Dutch origin and established to offer extraordinary banking services, as well as asset management and insurance.  In fact, the company has become so successful that it now services 85 million clients in over 50 countries.  To provide the level of service ING Direct provides, the bank employs more than 130,000 people, also working in the 50 different countries.

One of the things that most people looking for high yield savings online find surprising is that ING Direct is not a new organization.  In fact, this bank has had United States operations for over 100 years.  Then, with this online bank being a member of the Federal Deposit Insurance Company, more commonly known as the FDIC, the bank is able to provide insurance protection to customers for savings up to $250,000.

Everything ING Direct does is innovative, which is apparent in the high interest savings and other accounts being offered.  For existing and potential customers needed assistance, professional staff is available to provide unrivaled attention.  The way the “orange savings” is now set up, it earns 1.10% Annual Percentage Yield.  However, to earn 1.25%, the electric orange checking is yet another product being offered, as well as 12 month Certificates of Deposits paying 1.00% interest.

First National of Nebraska was founded in 1857, a bank that at that time was the only one available to service the people of Omaha and surrounding Nebraska communities.  Now, the bank is known for being the largest privately-owned bank in all of America, serving more than 6.6 customers.  Current managed assets for First National of Nebraska and affiliates to include FNBO Direct is around $18 billion, with 4,700 employees dedicated to providing outstanding service in 35 states.

With FNBO Direct, once you open a savings account you could actually earn as much as five times more than you would with a conventional bank or credit union.  For instance, most reputable brick and mortar banks now pay 0.21% Annual Percentage Rate but an account with FNBO would pay 1.10%!

In addition to the high interest rate on savings, being able to manage all banking needs online is extremely easy and convenient.  Customers agree that being able to handle accounts online with FNBO Direct is a much better option than dealing with conventional banks and credit unions.  To open an account, this online bank requires no minimum deposit and there are no fees.  Additionally, all accounts are automatically protected with FDIC up to $250,000.

One of the greatest challenges when putting money into a regular savings account is that the goal of building a nice nest egg for retirement, saving to take a much-needed vacation, or putting money away for a down payment on a new car takes a long time.  However, when your money is put into a savings account with FNBO Direct that pays five times more, reaching whatever financial goal you have can be achieved quicker and easier.

FNBO Direct is not some fly-by-night online bank but a well-respected organization that has a long, secure history.  The process of applying for a high yield savings account is done simply by completing an application online and submitting it.  Once the account has been established, you would be able to access it 365 days a year, 7 days a week, and 24 hours a day from the privacy and convenience of the home.  While the online pill pay, online certificates of deposit, credit cards, and other products offered by FNBO Direct are among the best available, the high yield savings is the most popular product the bank offers.

By opening a savings account with FNBO Direct, you would be able to send email and mobile payments from your online account, eliminate the need to write checks and visit the bank in person, and make easy deposits into your FNBO account.  Other benefits include easy money transfers, top online security, and some of the nicest and most professional support team.  Whether saving money for Christmas, retirement, a vacation, emergency, college, etc, with a 1.10% APR with FNBO Direct, saving money has never been so easy.