ING direct will open you an online savings account, no fees, $25 bonus CASH (ie withdraw). drop me an email at sam@bytebandits.com with your first/last name and email. I'll send you a request for it. I get $10 bonus referral, You get $25. No bonus if you don't signup with a link referal at all. just trying to help folks out. 1. They don't pull credit 2. They do require a checking account and $1 deposit.