Using the link in post #23, the highest rate I found searching nationwide was 3.25 % capped at 25k and requiring that one make a minimum of 10 debit transaction per month. Failure to make the transactions results in the intrest rate being reduced to .2%.
Three accounts means 30 debit transactions per month....


The next highest rate (Citizens First, 25k cap)came with even more work:
-Make 15 VISA Debit Card transactions per statement cycle
-Make 1 automatic deposit per statement cycle
-Make 1 automatic withdrawal per statement cycle
-Receive an emailed statement instead of paper
-Write no more than 10 checks per statement cycle