Check with credit unions. There are a lot that do not really offer anything special, but there are a few (Mutual First in Omaha, NE, www.mutualfirst.com) that offers 3.01% on a checking account up to $15,000 if you meet their standards, which include a direct deposit, and 12 transactions on their check card every month. So you'd pretty much have to use it as your main account.