Goldwater Bank is offering a 4.00% APY savings account. According to the bank’s rate table, the minimum opening deposit is $1,500, and the minimum balance to obtain the APY is $100.

This savings account is listed at Bankrate.com , and it appeared to be available nationwide.

It appears the bank doesn’t provide any ACH transfer capabilities. According to the CSR, you can fund the account by check or wire transfer. The savings account does not offer check writing.