If you do not have citi's local bank, then use this one:

http://www.presidential.com/

I use it, pretty good (well, its online interface is not as good as other banks, but ok la). It saving is 5.12%. Also open its free checking account (just keep 500$ in it), then write checks to yourself if you need to withdraw. first 20 checks are free, later ones just buy the check from wal-mart finance.