You could always use ING and set up a linked account with another bank for checking. From the savings account FAQ, "At your request, money is transferred electronically between your Business Savings Account and your linked business checking account."
It did sound good to me but there is a problem with the application.
Looks like the do not offer it to all States online and you need to go to a branch office to sign final papers.

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Compass Bank Promotion
I ran across a Compass Bank Promotion, including:
This seems similar to what other banks are offering. Bank of America specifically had an offer almost identical to this, except they listed the personal checking account as being a requirement, not a "bonus."
In any case, it isn't exactly for what I'm looking. I want a bank with online-only, high interest bearing checking and savings, with the ability to expand into investments. ING seems close, but they don't have business checking...
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