The top 15 banks in London are paying bonuses of .5%-1.0% on their 3.3% passbook savings account if you leave the money there 12 mos. But if you need money you can take it out at any time without penalties. But money left for 12 mos. earns a bonus up to 1% so the total yield is 4.3%.

Beats the hell out of PNC's rates, unless you locked into a 5.25% at NCC last November for 5 years.