text: what bank has the best interest checking for personal use? i would have at least five thousand or better in the account at all times. ing direct currently offer an online account you can link to whatever checking account you currently have, and you can freely move your money in and out through their website.  the interest paid is variable & depends on the balance that remains at ing, but it's very generous (currently 4.15%).  i have no idea how they do this.