I'm currently in college, with a part time job and really want to start putting money into savings. I used to have quite a bit, but the first two years in school depleted it quite rapidly, pretty wastefully at that. I'm now at the point that I have a better handle on my spending and budgeting so I know I can contribute a portion of my paycheck into savings. It should also be noted that I'm at school on a full scholarship so I don't pay for school or room and board, which also means that I don't currently have any student loans and shouldn't have any once I graduate in 2010. Meanwhile, law school will most certainly cost me quite a bit. Overall though, I'm really interested in a High-Yield Savings Account. I had a savings account with the bank that I have my checking account with, but am looking for something with a better interest rate and less ease with which I can quickly access the savings account. HSBC Direct is the primary bank that I've been looking at, along with ING Direct. Does anyone have any advice on either of these banks, or with other banks offering high-yield savings accounts?