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Opinion Summary
ING Direct Bank - a review
by soothsayer | Jan 21 '01
Pros: -
Cons: -

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OVERALL RATING
Product Rating: 4.0



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Comments on ING Direct Bank - a review" (30 total) View all
  Comment Sorted by
Date Written
ING Direct $25 Referrals Available (Reply to this comment)
by jmorgan1978
I set up my new bank account through a referral on this site and I would love to return the favor. You can't beat the interest rate!

Email me at jmorgan1978@yahoo.com and I will set you up with $25.00 in your new account!
Jan 25 '06
4:23 pm PST

$25 Referrals Available (Reply to this comment)
by pvtbaldrick
I've got plenty of $25 referrals left available. Exactly the same deal as all these below

Email me at private.baldrick@gmail.com

Quick turnaround promised
Jan 25 '06
8:07 am PST

$25 Referrals Available (Reply to this comment)
by pvtbaldrick
I've got plenty of $25 referrals left available. Exactly the same deal as all these below

Email me at private.baldrick@gmail.com

Quick turnaround promised
Jan 25 '06
8:05 am PST

Orange Savings from ING Direct (Reply to this comment)
by orangesavings
Orange Savings from ING Direct

************************************************************
Follow these simple steps to get your referral link:

1. Send an email to SHIPMENT@GMAIL.COM
2. Please include your FIRST and LAST NAME.
************************************************************
Hello,

Open an Orange Savings Account today and you will truly enjoy the benefits of havings a Savings Account.

1) 3.8% APY (As of 12/31/2005)
2) Easy & Safe Online Banking
3) Link your existing Checking Account... No need to switch
4) Free online transfers between your current Checking & Orange Savings
5) No Fees, No minimum required (YOU NEED TO OPEN ACCOUNT WITH $250 FOR GETTING $25 REFERRAL BONUS)

Also if you open through a referral link sent by email you will receive $25 bonus just for the sake of opening the account with $250 minimum. You will also receive the full details regarding the account opening process in the personalized email.

**************************************************************************
Send an email to SHIPMENT@GMAIL.COM for $25 referral bonus link.
Please include your FIRST and LAST NAME.
**************************************************************************

Please do remember that you have to open the account with $250 minimum to receive the $25 bonus. Once you open the account you can also refer 25 people and earn $10 per successful account opening.

For your referral link email me your FIRST & LAST NAME : SHIPMENT@GMAIL.COM. Please feel free to email me regarding any questions
Jan 22 '06
7:55 pm PST

$25 Bonus ING Direct link referral. Fast Response!! (Reply to this comment)
by tph_invest
It's offering 4.75% promotion saving rate until 4/15/2006!!
You can get $25 account opening bonus by using the referral link I send you. All you have to do is just email your first name and last name to me at
-------------------------
tph_invest@yahoo.com
-------------------------
I will send you the link as soon as possible.

Note: $250 is the minimun deposit for opening a new account. The detail is already in the original post.

the following detail is from the ING website
-----------------------------------------


4.75% Interest Calculation

To determine what portion of your Orange Savings Account balance will earn the 4.75% APY, during the Sale Period we add up all of your new deposits from an external source and then subtract all withdrawals from the account (whether internal or external) from that total. If that amount is greater than zero, it is eligible for the 4.75% APY. If an account is closed during the Sale Period, the 4.75% may not be earned for the entire period that the new funds were on deposit.

Accounts eligible for the Winter Save Up Sale

All new Orange Savings Accounts opened by new ING DIRECT Customers
All existing Orange Savings Accounts belonging to current
ING DIRECT Customers

After the Winter Save Up Sale ends

After April 15, 2006, all the money in your Orange Savings Account will earn the current APY at that time.

For example, using the Orange Savings Account APY from December 31, 2005 (3.80%), all New Funds that are deposited on January 19, 2006, will yield 4.75% APY for 87 days until April 15, 2006, and would yield 3.80% APY after that date. So, the blended APY for the first year after account opening is 4.03%. The blended APY for New Funds that are on deposit for fewer than 87 days will be lower, as it may vary depending on the number of days the promotional rate is earned. The non-promotional APY is variable and may change during the Sale Period.

ING DIRECT retains the right to withdraw this offer at any time

Winter Save Up Sale FAQ

1. Who is eligible for the Winter Save Up Sale?
Everyone – current Customers who have an Orange Savings Account (one account or multiple accounts) and new Customers who open an Orange Savings Account.

2. Is all of my money eligible for the sale?
All New Funds deposited to your Orange Savings Account between January 19 and April 15 from your linked account (manually or through your Automatic Savings Plan) or through Direct Deposit are eligible to earn the 4.75% APY.

Interest earned, transfers between Orange Savings Accounts, and any disbursements from an Orange CD that are transferred into your Orange Savings Account are not eligible for the bonus rate. However, this money will still continue to earn the current rate of 3.80% .

3. Is there a minimum balance required to receive the 4.75% sale APY? No.

4. What happens if I make a withdrawal or transfer from my account?
Any withdrawal or transfer from your account (which includes moving funds to other deposit accounts at ING DIRECT) will decrease the portion of your balance that is earning 4.75% APY. The best way to take advantage of the 4.75% APY is to truly save and leave your money in your account.

5. How do you calculate the interest for the Winter Save Up Sale?
To determine what portion of your Orange Savings Account balance will earn the 4.75% APY, during the Sale Period we add up all of your new deposits from an external source and then subtract all withdrawals from the account (whether internal or external) from that total. If that amount is greater than zero, it is eligible for the 4.75% APY. If an account is closed during the Sale Period, the 4.75% may not be earned for the entire period that the new funds were on deposit.

6. How long is the promotion running?
The Winter Save Up Sale runs from January 19, 2006 to April 15, 2006.

7. What happens to my money after the promotion ends on April 15, 2006?
All of the money in your Orange Savings Account will receive the current APY at that time.

8. Where can I see the interest I’ve earned during the Winter Save Up Sale?
The interest you’ve earned on your New Funds will be posted to your account at the end of each month as Winter Save Up Sale Interest. It will be displayed as a line item in the Account Details of your Orange Savings Account on our secure website and on your monthly Statement.

9. What are the tax implications?
Interest earned as part of the Winter Save Up Sale, just like all other earned interest, is generally taxable income. It will be included in your 2006 year end tax reporting.

10. Does this promotion apply to my Orange CD Account?
No, the promotion is only being offered for the Orange Savings Account.
--------------------------------------------
Jan 21 '06
12:40 pm PST

ING Direct referral link: you earn $25 bonus! (Reply to this comment)
by betterfuture
Please send my an email at alexgao18@yahoo.com including your last name and first name. With my referral, you earn $25 bonus, and I earn $10.

Please notice you will need to start with $250 to get the referral bonus from ING Direct.
Jan 21 '06
11:48 am PST

ING Direct referral link: you earn $25 bonus! (Reply to this comment)
by betterfuture
Please send my an email at alexgao18@yahoo.com including your last name and first name. With my referral, you earn $25 bonus, and I earn $10.

Please notice you will need to start with $250 to get the referral bonus from ING Direct.
Jan 21 '06
11:47 am PST

ING Direct $25.00 Referral Links (Reply to this comment)
by voiddweller
Anyone looking for referral links feel free to email me voiddweller_@hotmail.com. Current savings apr is 3.80%(as of 12/31/05). Try it out and watch your money grow. Email me with your first and last name and i'll get the referral to you asap. Also, please note that as of 10/13/05 in order for you to get your $25.00 bonus it is now required that your account be opened with at least a $250.00 deposit.

Email: voiddweller_@hotmail.com
Jan 19 '06
11:35 pm PST

$25 Bonus ING Direct link referral. Fast Response!! (Reply to this comment)
by tph_invest
It's offering 4.75% promotion saving rate until 4/15/2006!!
You can get $25 account opening bonus by using the referral link I send you. All you have to do is just email your first name and last name to me at

tph_invest@yahoo.com

I will send you the link as soon as possible.

Note: $250 is the minimun deposit for opening a new account. The detail is already in the original post.

the following detail is from the ING website
-----------------------------------------


4.75% Interest Calculation

To determine what portion of your Orange Savings Account balance will earn the 4.75% APY, during the Sale Period we add up all of your new deposits from an external source and then subtract all withdrawals from the account (whether internal or external) from that total. If that amount is greater than zero, it is eligible for the 4.75% APY. If an account is closed during the Sale Period, the 4.75% may not be earned for the entire period that the new funds were on deposit.

Accounts eligible for the Winter Save Up Sale

All new Orange Savings Accounts opened by new ING DIRECT Customers
All existing Orange Savings Accounts belonging to current
ING DIRECT Customers

After the Winter Save Up Sale ends

After April 15, 2006, all the money in your Orange Savings Account will earn the current APY at that time.

For example, using the Orange Savings Account APY from December 31, 2005 (3.80%), all New Funds that are deposited on January 19, 2006, will yield 4.75% APY for 87 days until April 15, 2006, and would yield 3.80% APY after that date. So, the blended APY for the first year after account opening is 4.03%. The blended APY for New Funds that are on deposit for fewer than 87 days will be lower, as it may vary depending on the number of days the promotional rate is earned. The non-promotional APY is variable and may change during the Sale Period.

ING DIRECT retains the right to withdraw this offer at any time

Winter Save Up Sale FAQ

1. Who is eligible for the Winter Save Up Sale?
Everyone – current Customers who have an Orange Savings Account (one account or multiple accounts) and new Customers who open an Orange Savings Account.

2. Is all of my money eligible for the sale?
All New Funds deposited to your Orange Savings Account between January 19 and April 15 from your linked account (manually or through your Automatic Savings Plan) or through Direct Deposit are eligible to earn the 4.75% APY.

Interest earned, transfers between Orange Savings Accounts, and any disbursements from an Orange CD that are transferred into your Orange Savings Account are not eligible for the bonus rate. However, this money will still continue to earn the current rate of 3.80% .

3. Is there a minimum balance required to receive the 4.75% sale APY? No.

4. What happens if I make a withdrawal or transfer from my account?
Any withdrawal or transfer from your account (which includes moving funds to other deposit accounts at ING DIRECT) will decrease the portion of your balance that is earning 4.75% APY. The best way to take advantage of the 4.75% APY is to truly save and leave your money in your account.

5. How do you calculate the interest for the Winter Save Up Sale?
To determine what portion of your Orange Savings Account balance will earn the 4.75% APY, during the Sale Period we add up all of your new deposits from an external source and then subtract all withdrawals from the account (whether internal or external) from that total. If that amount is greater than zero, it is eligible for the 4.75% APY. If an account is closed during the Sale Period, the 4.75% may not be earned for the entire period that the new funds were on deposit.

6. How long is the promotion running?
The Winter Save Up Sale runs from January 19, 2006 to April 15, 2006.

7. What happens to my money after the promotion ends on April 15, 2006?
All of the money in your Orange Savings Account will receive the current APY at that time.

8. Where can I see the interest I’ve earned during the Winter Save Up Sale?
The interest you’ve earned on your New Funds will be posted to your account at the end of each month as Winter Save Up Sale Interest. It will be displayed as a line item in the Account Details of your Orange Savings Account on our secure website and on your monthly Statement.

9. What are the tax implications?
Interest earned as part of the Winter Save Up Sale, just like all other earned interest, is generally taxable income. It will be included in your 2006 year end tax reporting.

10. Does this promotion apply to my Orange CD Account?
No, the promotion is only being offered for the Orange Savings Account.
--------------------------------------------
Jan 19 '06
11:59 am PST

ING $25 plus $4= $29 : ONLY 3 LEFT!! (Reply to this comment)
by rc1378
Update: ONLY 3 referrals remaining.

If you choose to use my referrals kindly note: As I only have 3 more to go, any referrals not used within 24 hours will be expired. Referrals strictly on first-come-first-serve basis.

No catch, no gimmicks, no fineprint

visit http://www.geocities.com/FREEMONEY_REFERRAL
I pay you to use my referrals!!

Thanks to all who made this program a success!!
Jan 18 '06
10:03 pm PST

ING Referral Bonus $25 for you, $10 for me (Reply to this comment)
by leepmon
Email me for a referral link for your $25 with a $250 initial deposit.

I just need your first name and last name. Please put ING in the subject.

leepmon AT hotmail.com

I will respond right away.


You will need to start with $250 to get the referral bonus from ING Direct.
Jan 18 '06
12:52 pm PST

Get $25 from ING DIRECT BANK (Reply to this comment)
by catli
Ing Direct Bank is now offering 3.8% Annual Percentage Yield on an FDIC-insured savings account. You get $25 bonus when you open your account through a referral link. If you need a referral link, please e-mail your first and last name to me at

ugacat@yahoo.com

I will send you the link as soon as possible.

Reminder: Please open the account with $250 minimum to receive the $25 bonus. Thank you
Jan 17 '06
11:41 am PST

$25 dollars bonus opening great way to invest without risk (Orange saving accout, 3.80%) (Reply to this comment)
by coolguyatyahoo
Thanks to John, Melissa and bryan for using the referals, they had no problem signing up and got the $25 bonus. You can do it too, just send me an email to:

Email: daredevil912@yahoo.com

with your first and last name and i will send out a link to you in a flash.



Thanks
Jan 16 '06
9:35 pm PST

Referral Link (Reply to this comment)
by mblanco
Please email me at marc@mailthru.com and I will send you a referral link. Include your first and last names.

Thanks.
Jan 14 '06
8:13 am PST

ING Direct $25.00 Referral Links (Reply to this comment)
by voiddweller
Anyone looking for referral links feel free to email me voiddweller_@hotmail.com. Current savings apr is 3.80%(as of 12/31/05). Try it out and watch your money grow. Email me with your first and last name and i'll get the referral to you asap. Also, please note that as of 10/13/05 in order for you to get your $25.00 bonus it is now required that your account be opened with at least a $250.00 deposit.

Email: voiddweller_@hotmail.com
Jan 12 '06
10:16 pm PST

$25 dollars bonus opening great way to invest without risk (Orange saving accout, 3.80%) (Reply to this comment)
by coolguyatyahoo
Thanks to John, Melissa and bryan for using the referals, they had no problem signing up and got the $25 bonus. You can do it too, just send me an email to:

Email: daredevil912@yahoo.com

with your first and last name and i will send out a link to you in a flash.



Thanks
Jan 06 '06
2:09 pm PST

ING Direct Savings Account Referral $25 bonus (Reply to this comment)
by toyotaman05
ING Direct is a great savings bank that is now earning 3.8% interest. The bank is FDIC insured.
Start earning interest on money sitting in your bank account. Send me an email (rocketrose82@hotmail.com) with your first and last name and an email address and I will send you a referral email so that when you sign up with the link in that email you will receive $25 sign up bonus and I will recieve $10 you can sign up your freinds and receive $10 for each of them.
Only catches are you must be a first time ing direct coustomer and you must have an inital deposit of $250.00

rocketrose82@hotmail.com
Jan 04 '06
2:01 pm PST

ING $25 plus $4; Virtual Bank $20 plus $13 (Reply to this comment)
by rc1378

HURRY! JUST A COUPLE ING REFERRALS LEFT.

No catch, no gimmicks, no fineprint

visit http://www.geocities.com/FREEMONEY_REFERRAL
I pay you to use my referrals!!

Thanks to all who participated
Dec 30 '05
1:32 pm PST

ATTENTION buggzy! (Reply to this comment)
by voiddweller
I'd appreciate it if you please wouldn't plagiarize my comment and pass it off as your own.
Dec 30 '05
6:00 am PST

ING $25 Promotion (Reply to this comment)
by buggzy
Anyone looking for referral links feel free to email me buggzy@gmail.com. Current savings apr is 3.75%(as of 12/05/05). Try it out and watch your money grow. Email me with your first and last name and i'll get the referral to you asap. Also, please note that in order for you to get your $25.00 bonus it is required that your account be opened with at least a $250.00 deposit.

Email: buggzy@gmail.com
Dec 28 '05
7:34 pm PST

ING $25 Referral link (Reply to this comment)
by buggzy
Anyone looking for referral links feel free to email me buggzy@gmail.com. Current savings apr is 3.75%(as of 12/05/05). Try it out and watch your money grow. Email me with your first and last name and i'll get the referral to you asap. Also, please note that in order for you to get your $25.00 bonus it is required that your account be opened with at least a $250.00 deposit.

Email: buggzy@gmail.com
Dec 28 '05
7:30 pm PST

ING $25 Referral link (Reply to this comment)
by paf18
Earn $25 free for signing up for an ING Orange Account. Earn 3.75% APY. Minimum initial deposit of $250. Send your first and last name to pforgion@eden.rutgers.edu and I will send you the referral link.
Dec 28 '05
2:09 pm PST

Ing Direct Referral Link (Reply to this comment)
by catli
Hello everybody,

If you are looking for a referral link which will give you the $25 account opening bonus, please e-mail your first and last name to me at

ugacat@yahoo.com

Reminder: Please open the account with $250 minimum to receive the $25 bonus. Once you open the account you can also refer other people and earn $10 per successful account opening.

Thank you!
Dec 20 '05
4:39 pm PST

$25 dollars bonus opening great way to invest without risk (Orange saving accout, 3.75%) (Reply to this comment)
by coolguyatyahoo

Thanks to John, Melissa and bryan for using the referals, they had no problem signing up and got the $25 bonus. You can do it too, just send me an email to:

Email: daredevil912@yahoo.com

with your first and last name and i will send out a link to you in a flash.



Thanks
Dec 18 '05
10:00 pm PST

ING Direct Referral Link: Free $25 (Reply to this comment)
by harperdog
So far so good! Opening an Orange Savings Account really only took a matter of 5 minutes. The fact that ING Direct is FDIC insured is very comforting and the opportunity to earn much higher interest rates than what traditional banks offer is too good to pass up. Additionally, the free $25 was certainly an incentive to join. If you would like a referral link for your free $25, please feel free to contact me at harpersmail@comcast.net. Just supply me with your first and last name. Thanks!!
Dec 15 '05
7:30 am PST

$25 Bonus ING Referral link. Fast Response!! (Reply to this comment)
by tph_invest
$25 Bonus ING Direct link referral. Fast Response!! (Delete your comment)
by tph_invest
You can get $25 account opening bonus by using the referral link I send you. All you have to do is just email your first name and last name to me at

tph_invest@yahoo.com

I will send you the link as soon as possible.

Note: $250 is the minimun deposit for opening a new account. The detail is already in the original post.

Thanks.
Dec 14 '05
9:47 am PST

** FAST RESPONSE ** GET THE $25 BONUS NOW ** (Reply to this comment)
by nakahk14
Email me at nakahk14@hotmail.com WITH YOUR FIRST NAME AND LAST NAME and get a referral link for the $25 bonus immediately!!!

The referrals is limited !!!

Open the FDIC insured, high interest (3.xx% vs .5% by other banks) account now!

Note: A $250 deposit is required for the bonus.
Dec 13 '05
2:07 pm PST

!!! FAST RESPONSE !!! Get the $25 bonus!!! (Reply to this comment)
by nakahk14
Email me at nakahk14@hotmail.com WITH YOUR FIRST NAME AND LAST NAME and get a referral link for the $25 bonus immediately!!!

Open the FDIC insured, high interest (3.xx% vs .5% by other banks) account now!

Note: A $250 deposit is required for the bonus.
Dec 13 '05
1:36 pm PST

$25 Bonus ING Direct link referral. Fast Response!! (Reply to this comment)
by tph_invest
You can get $25 account opening bonus by using the referral link I send you. All you have to do is just email your first name and last name to me at

tph_invest@yahoo.com

I will send you the link as soon as possible.

Note: $250 is the minimun deposit for opening a new account. The detail is already in the original post.

Thanks.
Dec 13 '05
8:20 am PST

$25 Bonus ING Direct referral link. Fast response! (Reply to this comment)
by tph_invest
You can get $25 account opening bonus by using the referral link I send you. All you have to do is just email your first name and last name to me at

tph_invest@yahoo.com

I will send you the link as soon as possible.

Note: $250 is the minimun deposit for opening a new account. The detail is already in the original post.

Thanks.
Dec 12 '05
9:19 am PST
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