I've done some reading about BankDirect, ING Direct, American Express Banking - and the benefits of having online savings accounts vs. the traditional brick & mortar (e.g. Bank of America). While I'm quite savvy at accumulating miles & points(self taught, and many years of reading FT, TB and most recently MP) - I'm an old schooler when it comes to banking (and insurance). That is, I've been pretty loyal to one bank over the years, with just a savings account and checking account (to which my payroll is direct deposited). I believe I'm missing out on higher interest rates of the online savings accounts -- and - germain to MP ;-) - accumlating miles for AA. So - the question. What would be the ideal set of accounts to establish - where one can have your money accumulating interest, earning miles, and when the monthly bills are due - allow you to make your payments automatically (I have most of my credit cards, utilities, mortgages etc set to direct debit from my BofA checking account). To add a bit of complication - while the US is home (with my BofA accounts), we've been living/working in Australia for the past 3 years, and have just accepted another 2 year assignment for Perth. Thus, I also have OZ banking accounts with ANZ & NAB. (and credit cards, rent payments, utility payments etc to make in OZ). I'm considering opening an ING Direct account (either in OZ or the US) - and have my OZ payroll direct deposited; and then, on a monthly basis - transfer money to my BofA account where most of our US Bills are paid, and transfer money to our ANZ account where most of our OZ bills are paid. I'm continuing my online research - but thought my MP savvy mates may have an opinion or two. And of course, if there are referral bonuses for your suggested program - I'd be happy to be the referee to help both of us get bonus points/miles (if applicable). My other notes/thoughts - - BankDirect looks interesting with it's earning of AA miles, -- but I see caveats/concerns about it's lack of ACH clearning? - As my salary will be OZ based, I'll benefit from the strong OZ dollar for the near-term future - and will enjoy a bit of an uptick in the exchange rate when I transfer OZ $ to my BofA account for paying bills each month - HSBC Premier - looks like another candidate; with my 401K I'm rolling over from the US - I'll have enough to qualify for this service So - a little bit open ended - but I'd appreciate feedback/thoughts and personal experience as to which banking service (s) you'd receommend. Thanks!