ING offers a free $25 for sign-up to their savings account. Initial
deposit is only $1. There are no fees or minimums to use the service
and the account earns and above average 2.8% interest. The only way to
get the $25 is from a referral from a friend. If you sign up directly
from their website you won't receive the bonus. To get a referral for
the $25 use the following link:

http://www.savingadvice.com/forums/showthread.php?t=5078

Once you are signed up, you can refer up to 20 friends and earn $200
for doing so. The thread will also give you information on Emigrant
Direct Bank which doesn't offer any sign up bonus or referral money,
but does have a high 3.25% interest rate on savings.