I realize that this is still below both Emigrant Direct and HSBC's rates of 4.50%, but it's a little better than their previous rate of 4.00%. I still haven't moved my liquid accounts from ING Direct. I just don't want to become a rate chaser, moving my accounts every time another bank is a little bit higher. I'm pretty happy with ING Direct. So, 4.15% it is for me. If the difference goes beyong fifty basis points, I may reconsider.