I'm trying to find a high interest savings account. I am a full time student living with parents, and I make about 20k on the side; potentially more next year. Currently on CBA GoalSaver/Netbank Saver. Ideally, this account will let me withdraw once in a while without missing out on interest. If possible, I'd like to bank with one institution to keep it simple. Thing is I'm self employed, and get paid very infrequently (every few months).
I was tossing up ING, UBank, RAMS, and ME bank.
Thoughts on each:
ING - 2.8%, requires $1000 deposit monthly. Get paid too infrequently.
UBank - 2.87%, requires $200 deposit monthly. Also get paid too infrequently.
ME bank - 2.95%. Weekly tap. Possibly?
RAMS - 3%. No withdrawals.
Edit: I also get paid occasionally in cash, is depositing money with a branchless bank annoying?