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by czibert , Dec 16 '06
Pros: Cheap costs, low rate
Cons: No-nothing phone reps, no dedicated person servicing your account, terrible intercompany communication
I needed to re fi my condo recently and get out of a horrible 80/20 mortgage I got two years ago (was largely a bad deal because I was a 1st time buyer, fresh out of grad school with little job history, etc.) I couldn't bear the idea of paying another ...
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by lambrite , Mar 25 '03
Pros: Great Rates, Great Customer Service
Cons: No Storefront
About a year ago, I got quite fed up with my local credit union. So I decided to keep my money somewhere else. Initially I was looking just for a place for savings, not somewhere to transfer my checking account to, and using http://www.bankrate.com, I...
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by soothsayer  - Top 100, Jan 21 '01
Pros: -
Cons: -
This is a comprehensive review of ING Direct USA. If you want a $25 referral to ING Direct, please scroll down to the bottom for my email. ING Bank "ING Direct" is an FDIC insured Internet savings bank. ING Direct is the Internet arm of ...
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by kimana83 , Feb 14 '05
Pros: INCREDIBLE rates, easy to use, no fees or minimum balance, great complement to regular bank!
Cons: None at all for me, but others may dislike having no physical building.
UPDATE: When I wrote this review, the APY for INGDirect's Orange Savings Account was already incredible at 2.35%. However, since it's a variable interest rate, I'm now receiving 3.8% -- on my savings account! Why bother with a CD that ties ...
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by alexandra2428 , Feb 02 '04
Pros: Great web site, easy to use, great interest rate.
Cons: None.
So I am tired of being broke. Well I'm not really broke, but I'm a few of paychecks in my savings account from being out on the street if I lose my job! Financial experts are always informing the public that they need at least 3 months' worth of ...
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by jwissinger , Jan 05 '08
Pros: High Interest Rates, Ease of Use, Best Online Checking Account
Cons: No Branch Offices
Brief: While I would not recommend ING Direct being a users only bank, it is an essential tool that no serious online banker should be without. If you are currently not doing any online banking, ING can be a great place to start with a complete ...
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by bluefishie , Oct 29 '03
Pros: great interest rates, no minimum opening amount, can track the interest earned so far
Cons: delay in transferring money, no monthly statements mailed to you
When I first read about ING Direct, I was skeptical. How could this bank, back then offering a 3% interest rate on their savings account, do so, without any strings attached? Every other bank's interest rate is hovering around a low .45%. Well, now I ...
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by tomleblanc , Aug 01 '05
Pros: free $25 to join, $10 for referrals, secure, and a whopping 3.80% interest! (December 2005)
Cons: electronic transfers are slow, but this is a National problem, not an ING issue
Background I'm rather new to the financial game. Just married in October 2004, I recently began looking into various aspects of financial wellness. As I've already racked up over $100,000 in student loans, I'm concerned about planning for ...
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by tigereyess , Apr 28 '04
Pros: Good interest rate, "safe" investment, good customer service
Cons: Hold times on deposits/withdrawls, not a checking account
I love ING Direct for one reason - it saves my money. It is exactly what it is advertised as - a place to save your money. What it isn't, however, is a regular bank. ING Direct works like a bank - you put your money in, it gathers interest until you ...
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by nghiemr - Top 1000, Jun 11 '03
Pros: Extremely user-friendly
Cons: Transaction detail is not very descriptive.
ING Direct is what savings accounts should be all about. I currently have a savings account and two CDs with ING Direct and will continue doing business with them as long as they remain innovative and competitive. I've been a customer since 2001 and...
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by 123 , Apr 24 '03
Pros: High Interest, Spectacular Customer Service, Internet Bank, Great Privacy Policy they really stick to.
Cons: No checking account, can not immediately access my money, limited relationship.
If you read my review of Compubank which alas is no more, you know that I love to receive excellent customer service and made to feel that I am important to that business. After Compubank was sold to Netbank – one of the worst in customer service ...
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by waterworlds , Jan 03 '05
Pros: high interest rate.
no fees.
no bank switching required.
Cons: holds on funds.
Where you choose to open a savings account is just as important as what you are saving for. Opening a savings account in any bank may lead to your balance falling as a result of such things as a minimum balance fee. How much is the bank paying you to ...
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by showthemoney , Oct 14 '04
Pros: Good interest rate, very friendly service, free money (write to me)
Cons: Time required to transfer money, deposit holds
Like many people, I was attracted by the $25 sign on bonus. But I didn't sign up for a long time because of concerns that this was an Internet bank. Finally, I took the plunge and have discovered that this has indeed been a very pleasant ...
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by darkblood , Dec 15 '04
Pros: Rates, ease of use, friendly customer service
Cons: Mutual fund screen could be a little more detailed.
Features and Benefits ING Direct offers very few options to use, but that's ok. ING Direct is only designed for a few specific things. They offer: + savings accounts + CD's with terms up to five years + Mortgages + Home-equity loans + ...
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by jierik , Jul 25 '03
Pros: Easy to use, good interest rates, reliable mother-company, good customer service, European mother-company
Cons: Some minor things with their website, (for rednecks only): European mother-company
I opened an ING-direct savings account some 30 months ago, when they still offered a whopping 5% int ...
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