FWIW, I upgraded from a Citi eSavings acct to a Ulti Savings acct in <5 minutes. All you needed to do to log in, ask to open a new acct, transfer the balance from your eSavings to Ultimate Savings Acct, and voila! you've just netted an extra .15% or so APY.

Not a bad way to net extra interest while still keeping my savings super liquid (Citibank is also my primary checking acct so there are no ACH delays).

-g