ANZ Bank's finance company subsidiary Esanda over the weekend began to promote a high yield, at-call online deposit account with an interest rate of 5.55 per cent that could be classified as a competitor to the high yield accounts of BankWest, Citibank and others, and would be the highest interest rate on any at-call account offered by ANZ in Australia.The account has all the features, or the lack of them, that are common to most of the high yield at-call accounts in the market at the moment: no minimum balance, no limit on withdrawals, no functionality (since funds have to be flicked into transaction account to spend), and notionally no fees (since the fees would be incurred on the linked transaction account). Esanda restricted the "Esanda Saver", as the account is dubbed (with its own domain name) to individual investors.One issue is why ANZ's slotted its first high yield account under the Esanda brand rather than the bank brand, and one answer might be to limit cannibalisation of transaction account deposits from customers that wouldn't normally consider savings options under the Esanda brand.For depositors happy to look at finance company savings options, the Esanda Saver interest rate at 5.55 per cent is attractive in comparison with the lower rates paid on fixed-term debentures for amounts of less than $5,000, and is the same interest rate as paid by Esanda on higher amount for up to six months.Another explanation might be that Esanda's managers want a more diverse, and larger, deposit base, and there might be straightforward business reasons for that.On the hand and turning to the rumour mill for an alternative explanation Esanda's being prepared for sale.The Esanda sale rumour last bobbed up, and died off, a couple of years ago, and the rationale for ditching the business on the part of the internal proponent of the plan isn't too clear, though with a return on assets of one per cent some think Esanda doesn't make enough money.This newsletter's heard fresh (and internal to ANZ) talk over the last month or two that Esanda would be placed on the market, though there's no external evidence of the bank doing anything to solicit a buyer.