Great bank! Their rate is always among the highest in the nation.There's no minimum, and no fees. Their website is easy and they have excellent 24 hour customer service. The rate is down to 1.10% right now, but as the economy improves, I'm sure they will raise it up again. I've had an FNBO savings account for about three years, and I've never had a single problem.
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I have been waiting for more than 4 days to get money from my high-yield money market account. The money was dedducted fom my account on Monday and today (Thursday) I received an e-mail saying the transfer will take longer. Really? It's $4,500. There are way too many other options for high yield money market that provide better service. STAY AWAY.