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Winner: Barclays and GE Capital Bank (tie)
Branches: None for either

Why they are winners

GE's Online Savings account and Barclays' Online Savings account are neck and neck, both offering the highest rate among all the accounts surveyed -- a flat 0.90%, with no fees or minimum balances.


Interest rates may vary after the accounts are opened, though both have been relatively consistent. Neither bank offers checking accounts.

Standout accounts

GE Online Savings and Barclays Online Savings

• Maintenance fee: $0
• Interest rate on all balances: 0.90%