Having cash is always a good thing, but finding a safe place to put it with a high rate of return has stymied more than a few people over the past few years.

But that's about to change.

With passbook savings accounts now available online, virtual banks are competing for your attention and your money. As the cyber banks battle it out, you become the high-yield winner.

www.emigrantdirect.com, www.hsbcdirect.com and www.ingdirect.com are the top combatants for your cash.

How do they try to lure you? By offering the highest interest rates around, that's how.

Just like a bricks-and-mortar bank is insured by the FDIC, so are these cyber sisters. So check them out.

Once again here are the top contenders.

1. www.emigrantdirect.com
2. www.hsbcdirect.com
3. www.ingdirect.com

Let your mouse lead you to greater returns.

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