Hi,
You can get $45 free when you open online accounts with ING Direct and VirtualBank, which are both FDIC-insured banks. The banks also offer a high interest rate on your savings (ING 2.20%, VirtualBank 2.15%) compared with brick-and-mortar banks because their overheads are low.
To get the free $25 from ING, you have to open the account using a special referral link, which I will be happy to send you. Just request it by emailing mosley3@bandeeni.com and I'll send it right away. There are no fees, and no minimum balance requirements, so you can open the account with a deposit of just $1, and still get the free $25 bonus.
VirtualBank also doesn't have any fees on accounts, but you have to open the account with at least $100. Still, you get the $20 free (for a total of $120). Remember, these banks are FDIC insured, so your deposits are safe up to $100,000.
I get $10 when you open the account with ING and $20 when you open an account with VirtualBank. So we both win! You have to use the referral link from existing customers to get the bonus. After opening the accounts, you can also refer your friends and get up to $275 from ING Direct and $400 from VirtualBank. Send an email to mosley3@bandeeni.com and I'll send you the referral links right away.