Where do you park your money? In replace of a savings account.

[Joel A.]

Ive been trying to figure out where I should keep my savings where I can maximize its growth and am really curious to hear where you think is the better place to do so.   

I want to keep the money as liquid as possible yet gain the maximum amount of growth available.   Im looking to be able to withdrawal at the drop of a dime with no penalties and no minimum balance requiresments.  Does this exist?

Ive considered online banks with slightly higher yields, money market accounts, certificates of deposit but the rates arent attractive at all.   

Looking to hear where you savvy financial people park your money.

Thanks