Some off topic but ...

Today I did an interesting e-Rewards survey about banking.

It turned out to be about branchless banks versus brick and mortar.

One of the Prominent Factor it kept bring up is the interest rate - the options of rates ranging from 0.95 to 1.85 - it seems to me, the survey was to gauge how much higher yield the online only banks would need to offer to attract deposits. Featured banks include AMEX, Ally, CIT, Discover, and a "Bank of Internet USA"? and Sallie Mae. I did not know Sallie Mae actually has online bank.