I have a savings account with ING Direct, and they offer referral bonuses to account holders. If anyone's interested, it's worth $25 to you (plus 10 for me). You only need $1 to open an account, and you can just close it after you get the $25 in a week. Or you can keep it open and ask your friends to sign up and get your own referral bonuses. I don't need your name, just a valid email (you will, of course, have to provide real info to get the account, but that's between you and the bank). They don't do a credit check, and they actually pay really great rates for a savings account. Currently 2.00% APY on your money, no minimum balance required I've got 20 out of 25 referral links left. First come, first served. just send me your email address to: learning2save@yahoo.com