On-line banks offering “higher” rates?

What is your opinion of these on-line high-yield savings accounts advertised by AAA, Ing and Ally, to name a few, offering up o 0.85%?

Terry Says:   As long as your money is FDIC insured, there is no reason to worry.  Actually, it’s amazing that just 0.85 percent is now considered “too good to be true.”  But as long as these are FDIC banks you don’t have to worry. Most of these higher offerings come from online banks, which have less overhead.  And they also may have more demand on the lending side, so they feel they can pay higher rates.  As of this response, the Ally bank rate on a one-year CD is now up to .99 percent!  But I wouldn’t tie up your money for longer than one year.