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Cash is king in this market. And iGO banking.com's online savings account, from a division of New York City's Flushing Savings Bank, treats your money royally. As of March 25, its yield was 3.5% vs. the 3.1% or less offered by major e-banking players such as HS BC and ING .

True, rates are subject to change, but iGO banking has been among Bankrate.com's five highest-yielding accounts for the past year. Plus, there are no conditions: You don't have to keep a minimum balance or make a direct deposit each month. And you'll pay zero monthly fees.

To access the cash, just transfer the money to your checking account.

- Carolyn Bigda, Money Magazine writer-reporter

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