ING Direct Canada is an excellent online banking website for those who want to get a little more bang for their buck when saving their money. With a 3.75% interest rate and no fees or minimum bank balances, you won't find another bank that offers rates like this with no conditions to meet. Settings up your account is easy, and all it requires is to create an account, mail your first deposit in the form of a check, and call to activate your account. It's a quick and painless process, and after that, depositing money is as easy as logging into the ING Direct site and withdrawing money from your regular brick and mortar bank. You can even get a debit card that connects to your savings account with 4 free transactions per month. With all these features, I'll never let my money lie around in a low-interest savings account again.