I finally found a bank that had all the requirements I needed for my laptop fund. I opened a money market account with Capital One Saturday morning. I have a credit card with them and while checking my credit card statement I noticed that they had a very nice high yield money market account. There was no minimum balance to open or to maintain. Their APY is 4.75%. No fees. And they offer free checks and an ATM card. There was no bonus which is fine with me. I am pretty happy with my choice.