ING Direct

I LOVE ING Direct! Love them… and have been a faithful customer for 10 yrs now. So it kinda breaks my heart that they’ll be moving completely over to Capital One now. Orange is So much cooler…
But seriously, ING is awesome!
*Their «fees» are less than probably every other bank
*Online accts are super easy, and mobile access on my iPhone
*Few times I’ve needed to chat w customer service they’re actually helpful and friendly
*Best interest rates available
*Low Foreign transaction fees
*And since I go to Target pretty much 24÷7÷365 I always have access to a free ATM
In my TEN YEARS of working with them, I have never had ANY issues. Zero. Zilch. Nada. Zip!

I had a saving account with ING Direct for 8 years, with more than $ 100,000.00 on deposit. Recently, I had a problem with their security practices (meaning they allowed the transaction of my monies without authority). After tens of hours on the phone, and weeks of difficulty, I managed to get the problem corrected. Mind you, it was NOT my problem, it was just MY money missing. The customer service is non-​existent, the individuals you get when you call them (at their request, because ‘for security reasons’ they refuse to return phone calls) are stupid at best, malicious in theory. After having (and using) my money for eight years, they froze my account because they made an error. No one at ING attempted to contact me or correct the error. After the MANY phone calls I have already mentioned, I was told they were terminating our relationship! Seriously? Not that I would ever be comfortable depositing ANY money with such a ridiculously ineffecient, corrupt and incredibly rude banking institution. DON’T DO IT! Their interest rates suck, they have no physical location to resolve your issues, and they hold you and your money hostage! I had to add them on to my ‘Friends and Family’ plan on Verizon so as not to exceed my minutes! For their very serious mistake! They lost track of my money! And the worst, most sad part of the entire debacle, they didn’t care or take responsibility. I tried to find a regulating agency that could intervene, and was unsuccessful. There are far better places to keep your money! ING sucks. Simple as that.

ING Direct Stinks
I’ve been saving at Ing Direct for years. But I will not do so any longer.
I tried to put two of my CDs into my trust. They gave me wrong information three times then would not do it because my co-​trustee only has a business checking account not a personal one. What kind of nonsense is this? I’ve done this transaction at other banks without a problem. ING refuses to do it. I’m taking my money out and putting it elsewhere.

ING Direct = The greatest bank ever!!!
I seriously have one beef with them and that is that their iPhone App is lagging on development, but hey… they’re a bank… I prefer them giving me money then paying some IT developer :-)
ING is a big proponent of saving your money. They have so many features that encourage you to save. Also they link directly to Sharebuilder so you have an easy way to get into trading. Their APY on savings accounts is one of the highest I’ve seen! As of today it’s 1.1% and that’s for us regular joes who don’t have a billion dollars.
If you haven’t made the switch yet you need to get on it!!!

ING is awesome. I don’t even know where to start. I use it as a savings account mainly, but not just ANY savings account. This account gets direct deposits every 15^th and last day of the month (my decision out of many, could have chosen once a month, weekly etc) from my Bank of American checking account. I have 12 sub-​accounts including travel, student loans, hair care, car repair, new car fund, furniture and xmas gifts.
That is why ING is so cool. I am good at spending within my means, but I have been just spending without regard to WHAT I am purchasing, so I spend a few hours looking (and categorizing) my purchases from the last 4 months. I then figured out that I have known big expenses that I could easily save for and still have spending money for random things through out the month.
I advise doing that and getting and ING account. «Open» as many new accounts as you need for «sub accounts» Start with as little as .50 cents in each sub account.
Do it, life will be good. Saving $ 10 from each pay check will give you all the money you need for those xmas gifts.