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MetLife Bank's Money Market account (www.metlifebank.com or 866-BANK-MET) is currently (December 2005) paying a 3.75% APY for a minimum balance of $5000 (lower balances pay less interest). With my referral and offer codes you get a $50 bonus if you maintain a $5000 balance for 90 days. A $5000 deposit held for 90 days earns an effective APY (counting the bonus) of about 8%.

You also get a free order of checks and an ATM card (unlimited ATM withdrawals).

The referral code is XXDSBNSZSRD and offer code is SAVE3

Please read the terms and conditions carefully.

PS. I also have some ING Direct referrals ($25 bonus for $250 initial deposit). Send full name and email address to [email protected]