Online banking... security versus liquidity while traveling

[SomethingClever]

I'm trying to figure out where to keep my $$$ while my wife and I travel for a year. Index funds and other investments are out, because I will need to reinvest most of the money in just one year and I don't have time to deal with any variance.

Right now I'm looking at either an online savings account with wamu (5% apy) or a CD with ING (5.15%).

The nice thing about ING is that I feel like it will be more secure to have a segregated account that I won't be accessing for any reason while we're traveling. HOWEVER, the downside to ING is that I don't want to put more than 100k in there without adding my wife to the account for FDIC purposes (to get insured up to 200k). I'm not sure how difficult the process of adding a spouse is... maybe this is a non-issue. But the other thing is that the money will be locked away for either 6 or 12 months. I don't plan on using any of it during the trip, but you never know.

The nice thing about wamu is that the money would be liquid, and already insured up to 200k because my wife is already on that account. HOWEVER, having the money right there in an account linked to my online banking makes me nervous. Should I worry about checking balances and transfering funds over wireless connections (on my own laptop) in foreign countries?

What should I do?