here's yield versus ease of use:
yield:
1) emigrant (5.15%)
2) HSBC (5.05%)
3) ING (4.35%)
ING is clearly a loser by far. I haven't used ING for a really long time
ease of use:
1) ING (fast setup, easy login)
2) HSBC (setup takes a while. login is a bit annoying)
3) emigrant (setup takes a long time. login is a major PITA with the new process)
i have most of my money in HSBC. once you set it up, it's not too bad. 0.70% more makes a huge difference if you have a nice sum of money.