We reviewed three of the top direct banking solutions, HSBC, ING Direct and Citibank ESavings. HSBC trumped for having the most features and fewest restrictions. There’s no minimum balance and doesn’t need to be linked to a second account.

For the ultimate in banking solutions, link your HSBC account to a Fidelity one. You can buy and short stocks, place balances in money market accounts, in addition to access to AMEX, debit card and a checkbook.

A downside is that you’ll have to juggle a Fidelity debit/credit card and an HSBC Direct ATM card, but we think you’re up to the challenge.

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