Just curious...how many online banking accounts do you guys have?

[Skooby]

I have two.

FNBO Direct
GMAC

FNBO transfer times are really slow. And GMAC might fall down to 1.3% APY with the way they are going.

[Beccagold]

I have 2 also. My first one was ING Direct which I started during its winter save up where it offered an increased interest rate. I keep the majority of my liquid savings at Emigrant Direct now. I didn't close out the ING account in case they ever offer another "save up" special.

[parafly]

Just one: HSBC.

I don't care about transfer times and when I opened the account they had one of the highest rates available. Now that their rates have dropped, I can open another account with a higher interest rate, but half a point makes very little difference for an emergency fund with only 10K in it. It's really just not worth the hassle since I don't keep most of my money liquid anyway.

[Broken Arrow]

Amazingly enough, I don't have one right now.

My credit union upgraded my checking to 5%... for free!

So, I'm sticking with that for now....

[Slug]

2 if you count Paypal. The other is ING. I would consider adding other's but only when there's sign on bonuses. Anyone know of any good ones?

EDIT: I'm up to 3. I just added AmTrust

EDIT #2: 4 now. I just added Countrywide Savings Link paying 4% on accounts over 10k

[RJB1180]

9 and my wife has three

[Broken Arrow]

9 and my wife has three

Why so many?

[sweeps]

9 and my wife has three

It must be fun waiting for 1099's to come in at the end of the year.

[disneysteve]

Just one - Paypal.

[vsjhoc]

Two.

GMAC (yeah, the rates have been dropping like a dead bird in the sky).

UFB (now Huntington): This is my "escrow" account for my property tax. I deposit a monthly amount so that I have the money when the bill is due twice a year. I don't pay my mortgage company and rely on them to pay my taxes; why should they earn the interest instead of me? Although the interest rate has plunged here too.

Those days of 6% at HSBC seem so long ago ...

[RJB1180]

Why so many?

BECAUSE $25 a pop is enough to make me open.

I have no more than $25 in each for rate chasing (well not so much anymore)

[Pitman]

I also have a paypal account, but rarely use it, only when I sell a pair of sneakers which is usually only once a month.

[Broken Arrow]

BECAUSE $25 a pop is enough to make me open.

I have no more than $25 in each for rate chasing (well not so much anymore)

Ah ok. I have a checking I don't use because they offered me $50 to keep it open for 6 months.

[disneysteve]

I also have a paypal account, but rarely use it, only when I sell a pair of sneakers which is usually only once a month.

Ah ok. I have a checking I don't use because they offered me $50 to keep it open for 6 months.

Doesn't opening a lot of new accounts impact your credit score? Maybe it isn't a big deal but I thought it did have an effect.

[Ima saver]

I have two, Ing which I opened for the free $25 and I have Umbrella. I opened that because of the rate, but it has now dropped to 3.9%