Between Emigrant and ING, there's no excuse to leave your cash in a checking account.
Emigrant: http://www.emigrantdirect.com/ (4.25% APY)
ING: http://www.ingdirect.com (4.75% APY sale till April)
Emigrant: http://www.emigrantdirect.com/ (4.25% APY)
ING: http://www.ingdirect.com (4.75% APY sale till April)