“No frills bank that delivers”

Its true that initial funding takes longer than I would expect (5 days) but overall I am pleased with the experience. You get a bunch of transfers per month and a debit card so this could be more like a checking account rather than a savings, that flexibility is a very good thing when other banks make you carry a minimum balance and jump through other hoops so that you don't have to pay a monthly fee. To top it all off the interest rates are always near the top of the heap, if not the top. I recommend this bank to friends and family.