[Sonic dB]

I use them and am happy with their service and their online method (GUI) is easy to operate etc.
The security has been good, as there are several levels of passwords, key words and pin number that
have to be enterred before they allow you into the account.

2 problems: 1) they dont allow beneficiaries, so if something were to happen to the major account holder there needs to be another name on the account to be able to access the money...otherwise it gets locked up into probate. This is kind of a big deal and its surprising to me that they do not allow beneficiaries on the account like a normal bank such as BOA would.

2) Their rates of interest have dropped steadily in the past year from about 5% to currently about 3% due to the Fed, rate setting etc. im assuming thats most of the reason anyway. There is something called Orange Checking which gives a better rate, but it is a checking account and has some other catches to it.