<prompt> Human: Recently ING has had one of the highest interest rates on savings accounts of any large international bank. However, with their recent drop even further, its made me start to wonder--is there a better way to get mild gains from a savings account? I know Ill likely never beat or match inflation but seriously...three quarters of a percent? Im seeing pocket change as monthly interest payments. To be specific about my spending habits, I use my checking account different bank for all spending including bills, meals out, purchasing in stores and online. The only time my savings sees activity is when I have maxed out my investment contributions for the year and I have extra left over--or the opposite when there isnt enough. Its essentially an emergency fund that needs to stay liquid.Thanks if anyone has any input.  <response>: On a 15,000 balance, youre getting 7.50 less per year. Is that really worth switching banks over? 