conversation: User (n8inchatt): "My wife and I currently have over $32K in 2 savings accounts.  1 is at Bank of America and earns a pathetic 0.01% interest.  Up until last month, we 2/3 of our savings there.  My wife had the other third at SunTrust.  It was earning the same pathetic savings so I was going to have her close it and move it to BofA.  Well, she calls and says they are offering her a savings account with a rate of 0.80% if she stays.  Naturally, I say heck yeah and she stays.  I noticed decent statements the first few months and was pleased to at least see some interest.  Last week, I decided I wanted to move a majority of our savings at BofA to SunTrust because of the rate there.  Well, I looked at a statement today and was wondering why the interest earned was so low.  The statement said the APY was now 0.03%!  So, I did some digging and found they had opened a Money Market Account which is why the rate was higher.  That's fine I suppose except why did the rate drop so low?!?  She said they told her it wouldn't drop below 0.60%.  So, I'm going to be calling them tomorrow to get an explanation but I don't expect much from them which leads me to ask: what's a good place to keep $25K that will earn me some interest? "
  Self: "I have an account with Capital One 360, and they give me 1%and something like .3-.5% on whatever is in my checking account. The only downfall is that they don't really have any physical locations."
  User (n8inchatt): "I don't really care about physical locations.  I do all my banking through my mobile app.  "
  