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.
GE Online Savings and Barclays Online Savings
• Maintenance fee: $0
• Interest rate on all balances: 0.90%