Review of these Best Money Market Instruments:

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• ING DIRECT is a leader in online banking community, and is a publicly traded company on the NYSE (symbol ING). ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in more than 50 countries. ING employs over 112,000 people in 65 countries, including more than 11,000 in the US, and has been operating in America for over 100 years. ING DIRECT's Money Market acount is FDIC Insured ($ 100,000 for single accounts; $ 200,000 for joint accounts, provided that you have a personal account). An account can be opened with as little as $ 1. They never charge any sort of monthly fees or service charges, and they offer a variable Annual Percentage Yield on savings every day. Additionally, ING DIRECT offers free online transfers to and from your local bank's personal checking account, and offers free online statements. They also offer an automatic savings plan. All deposits and withdrawals are done electronically. It takes only 5 minutes to open a Money Market account with them online. Visit the ING Direct website for further details.

• WT Direct is a leader in online banking. They are now offering online savings rates for balances of $ 10,000 or more. They provide a 2 month window to get your balance to the minimum level. Their accounts are FDIC-insured. Unlimited deposits and up to 6 withdrawals per calendar month. No fees. No checking account required to get this rate. Visit the WT Direct website for further details.

• HSBC Direct is a leader in online banking. They are now offering high online savings rates with no minimum balance and no monthly fees. Accounts are FDIC-insured and no checking account is required to open a savings account. Management of accounts can occur via deposit or withdrawal at any HSBC ATM or via online transfers via other bank checing accounts. This direct online savings account is offered by HSBC Bank USA, in North America. Visit the HSBC Direct website for further details.

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