I mentioned here the ING account that I have, which earns 2.35% a year currently, but that brough up an add in the Google ads for a 3%-earning account, here with Emigrant Direct, which seems to be based out of NY. Now, you can't get $25 just for joining with them, as far as I know, but maybe someone will let me know if they have the same refer-a-friend program.
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