If I had $100,000 and I was deciding the best way to put them to work for me in an investment that was both secured by a government agency, and liquid, the BankDirect accounts can not be beat.

Those teaser rates limited to $25,000 mean that I would have to open 4 accounts, and jump through a lot of hoops.

PS: If BankDirect is paying 1.5 cents per mile, big accounts {over $50,000} are not very profitable. They could offer Money Market accounts paying 1% and they would have one of the best rates in town.