Virtual Bank

Pros: Great referral program for the referrers and the referred, high interest rates.
Cons: $10K minimum for CD rates, checking account isn't competitive with ING Direct.

There are 1,000 rea$ons to open an account with Virtual Bank—even if you already have an account with ING Direct. That’$ becau$e Virtual Bank $till ha$ it$ referral program, offering $20 for your fir$t 50 referral$--up to $1,000. There are 20 ...

Pros: Great APY (the highest as of 10-10-06), customer service, excellent referral program.
Cons: No bill payment, but hopefully your personal checking account already provides this.

Disclaimer: This review reads like a comparison between Virtual Bank and ING. I've tried focusing on Virtual Bank, but have left pertinent information regarding ING for clarity. You can also read my ...

Pros: 5.05% APR, FDIC-Insured, Unbelievable referral program, Keep your regular bank account
Cons: Transfer delays, Undependable customer service, No bill payment

Update 10/11/06: Current rates: Emigrant Direct - 5.05%. Virtual Bank - 4.60%. ING Direct - 4.40% If you are looking for the bonus referral email, email me at jtothef11@yahoo.com with your full name. Thanks! Summary: If you are ...

Pros: Best no-risk APY (3.25% and rising!), great customer service, easy application, free bonus!
Cons: Holds placed on bonus cash and deposits, minimum initial deposit.

I have held a VirtualBank.com "emoney market" account (very similar to an ing direct savings account) for a while now. You can open the account right online, and it only takes a few minutes. The process is relatively easy. You provide them with your ...

Pros: Generous referral money easy to use, esp. if you already access your bank online.
Cons: Advertised interest rate is for highest tier of investment, most people won't open w/that much...

For your quick, friendly $20 opening referral, please send your first & last name and e-mail address to: jczellar@gmail.com For my complete review (warning: long and detailed!), see below: After a relative mentioned that online savings accounts ...

Pros: $20 referral makes 4.6 APY Virtualbank better than other online banks
Cons: No online bill payer, but you can transfer to your checking to do that

For a referral, skip to the bottom. I read reviews on various banking sites about experiences with online banks. I saw that Virtualbank got good reviews and that it was fairly easy to use. I read on a forum somewhere that you could get a free $20 for ...

Pros: Low rate - waived maint. fee
Cons: Bad Service

Virtual Bank was the lowest rate I could find for my home equity line of credit loan (HELOC). Loan processing was what you would expect. Last year before the mortgage crunch everyone was fighting for your business. My rate is prime minus 1% and No yearly ...

Pros: $20 referral bonus for opening an account; 4.60% APY; $1000 in potential bonuses
Cons: This account does not have check writing ability.

VirtualBank eMoney Market Account - 4.60% APY - $20 bonus Don't let the name deter you, VirtualBank is completely legit. VirtualBank is a division of Lydian Private Bank and is FDIC insured. Because it has no physical presence, it avoids ...

Pros: High interest, secure online savings, $20 opening bonus with referral
Cons: Paperwork is required to add more than one external accounts for electronic money transfer.

Virtual Bank currently offers a very competitive interest rate (4.60% APY as of 4/12/2006). In fact, I do not know of any other FDIC insured savings account without any strings attached that can beat Virtual Bank. Sure, there are a few that offer a ...

Pros: NONE
Cons: READ MY REVIEW!

If you have scrolled down to my review, have already read Annie's, and didn't like it, then don't read mine! For those who did benefit from Annie's, please, continue! I opened up my first mortgage account in May 2006, and decided to go with ...

Pros: High rates and online services
Cons: Badly trained employees and a manana attitude

This bank is really good for high rates and online services. The only problem arises when you try to transfer a maturing CD into your MM account. The bank was given 2 1/2 weeks notice to transfer, the transfer was acknowledged by return email with the ...

Pros: High interest, good website, best referral program, warm fuzzy feeling
Cons: Not well advertised. I wish I had found it sooner.

Virtual Bank and ING Direct are both great online banks that I would fully recommend. If anyone is in need of a referral for either bank, I would be happy to help. Send email to gotreferrals@hotmail.com with your first and last name, and the email ...

Pros: Great rates, easy to open, great referral program, great customer service!
Cons: None that I can see!

With the assistance of another epinion review writer, I opened a new account with virtualbank.com and received a $20 deposit for being referred. The process was very simple, within 2 days I had confirmation that my checking account had been linked. Note ...

Pros: good rate, easy to shop via internet, can fill out paperwork remotely w/o visiting branch
Cons: sleazy practice of making last minute changes when they know you don't have other options.

I found Virtual Bank through MonsterMoving.com. They had by far the best overall rate for the jumbo I needed so I gave them a call. I was buying a brand new house and I wanted to buy sans flooring so I could put my own in for a much better price (and ...

Pros: $20 sign-up bonus; ability to earn $1000 in bonuses thereafter
Cons: Must open account with 30 days from the date of referral.

If you're undecided between opening an account with ING Direct or Virtual Bank, my recommendation would be Virtual Bank. Here's why: 1. Currently, Virtual Bank's e-Money Market earns 4.6% APY whereas ING Direct Savings earns 4.4%. 2. The minimum ...