Date: Mon, 30 Jan 2006 10:41:00 -0600
From: SD 
Newsgroups: misc.invest.financial-plan
Subject: Re: Recommendations for Online Savings Account?
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> I recently opened an account at UmbrellaBank.com, which is paying 4.4%.
> Although their web site promises electronic access to your account, they
> won't allow you to initiate an ACH transfer.  (They claim that they will
> accept ACH transfers, but other banks require a paper check to set up
> the account linkage -- catch 22.)  I'll probably be closing that as soon
> as I can figure out how to get my initial deposit back.
> 

The 4.4% got me to the website. They say they give you a free checkbook, so you 
can use a check to get your funds out.