ING Direct

307 ratings (249 Epinions reviews)
Epinions Product Rating: Very Good
5 stars
139
4 stars
38
3 stars
9
2 stars
12
1 star
51
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    Highest Rated Consumer Review by the Community

  • ING Direct: My Latest Online Banking Adventure

    Jun 12, 2008 by Bryan_Carey is a Top Reviewer on Epinions in Personal Finance
    Rated a Very Helpful Review
    Pros: High interest rates on savings; Low or no fees
    Cons: Lag time to transfer funds; Web site lacking

    Summary: Banks have greatly evolved from the days of yesteryear. There was once a time when banking was conducted entirely one- on- one with a bank teller or loan officer. Customers selected a bank located close to their home and conducted their financial ... read more

  • A good deal for textbook purchases only

    Sep 17, 2012 by
    Not yet rated.
    Pros: low rate
    low closing costs
    Cons: you do all the work yourself, then learn your loan is denied.

    Summary: I spent 2 weeks assembling documentation for INGDirect, only to have my loan application denied on a technicality that they could have told me about on day one: the condo complex where I was purchasing a property had a owner occupation rate of less than ... read more

  • ING TORTURES Elderly Annuitants with deplorable customer service

    Feb 15, 2012 by
    Not yet rated.
    Pros: They are so nice, and polite, and concerned on the phone. (Yeah, right.)
    Cons: ING is precise and heartless, hiding behind policy to hide their errors.

    Summary: My 86 year-old father, very hard of hearing, lost his wife of 40 years.  She had Alzheimers, and before she died, the attorney told him to put her accounts in his name.  With everywhere else, that was straightforward - except for the ING fixed ... read more

  • Do yourself a favor, DON'T BANK WITH ING DIRECT

    Nov 11, 2010 by
    Rated a Very Helpful Review
    Pros: Interest rates slightly higher than many brick and mortar banks (some credit unions are higher)
    Cons: Deplorable customer service. Don't expect help from customer service with any problems.

    Summary: I've banked with ING Direct for many years and tolerated their poor customer service because their rates were once a good bit higher than traditional banks. Plus, ING seemed to be a good place to "park" money that I didn't want to lock in to ... read more

  • ING Direct has helped me save!

    Feb 16, 2010 by
    Rated a Helpful Review
    Pros: Ease of use, great customer service, fantastically simple website
    Cons: Normally 2 business day delay in transfers. 1 for your bank and 1 for ING.

    Summary: If anyone would like a referral to ING direct, please let me know.I just wanted to put a plug up here to let you know ING Direct has helped me save a ton of money by using their automatic savings deductions. They work like a scheduled EFT ... read more

  • The people who work in the security deparment will make your life a living hell

    Feb 2, 2010 by
    Rated a Helpful Review
    Pros: The best pro would be to run like hell from these horrible people.
    Cons: The cons are known when you read my above review in which I describe ING

    Summary: “Stay away from ING Bank at all cost” Up until today in the four months I'd been with ING I thought it was a pretty cool bank what with their cool on line banking but I always thought they overdid things a little with security-it's as if ... read more

  • Orange Mortgage Scam - Don't Be Fooled!

    Jan 9, 2010 by
    Rated a Helpful Review
    Pros: great online savings company - not a mortgage company.
    Cons: Negative undervalued appraisal process in order to decrease lending risk.

    Summary: When an offer is too good to be true, it usually is. They hooked me with a 3.75% rate and low closing costs. I have great credit and I had put down 1/3 cash on the original mortgage. I was just looking for a lower rate/monthy payment. Well I passed with ... read more

  • ING is using assesment to control LTV

    Nov 19, 2009 by
    Not yet rated.
    Pros: Quick/Simple application
    Cons: Fradulent assesment practices
    Rude customer service when details requested

    Summary: I had a similar experience to the previous reviewer where things went fine until I heard that my house came considerably below the value I stated (I stated $700K they assesed at $510K I was asking for a $470K loan so I would be fine even if their ... read more

  • Redlining

    Sep 2, 2009 by
    Not yet rated.
    Pros: Very polite.
    Cons: Intractable, arbitrary & capricious.

    Summary: I have worked as a professional in the financial services industry for the past 25 years, and I consider myself to be a sophisticated consumer. My wife and I wanted to combine the balance of our first mortgage and existing home equity line into one ... read more

  • ING Direct Mortgage Customer Service SUCKS!

    Jul 10, 2009 by
    Not yet rated.
    Pros: Nothing!
    Cons: No assistance available to Honest, Paying customers!  Horrible customer service. 

    Summary: ING Direct mortgage dept has HORRIBLE customer service. We received a letter in the mail soliticiting that ING is here to HELP in any financial situation or hardship you may be suffering.  After speaking with a representative, he was very ... read more

  • Bad experience with deceptive ING Mortgage practicess

    Jun 28, 2009 by
    Not yet rated.
    Pros: Easy application and online process.
    Cons: Deceptive business practices and no accountability.

    Summary: My husband and I chose ING's Easy Orange loan to refinance our mortgage after extensively researching other options. ING seemed to have the best rate and an easy on-line application process. I called the toll free number numerous times and spoke to a ... read more

  • Ok ... But, now they're holding electronic deposits

    Apr 11, 2009 by
    Rated a Helpful Review
    Pros: Website works pretty well for Internet banking.
    Good overdraft policy if you have credit.
    Cons: Customer service so-so.
    4 day hold on electronic interbank transfers !

    Summary: I have been a fairly satisfied ING Direct customer until recently. I'm wondering if the financial crisis has changed how ING processes interbank transfers. I noticed that they placed a hold on funds recently transferred electronically from my outside ... read more

  • ING Direct: Is Orange the Color of the Future?

    Feb 12, 2009 by
    Rated a Very Helpful Review
    Pros: Competitive rates, modern website, many options, monthly interest distributions
    Cons: Lag time, no checking account option

    Summary: I had heard a lot about ING - its modernity, its simplicity, and its competitiveness. A simple look at Bankrate.com had ING Direct as one of the most competitive banking institutions in the nation. Consistently, I saw that its CD rates and savings ... read more

  • Disingenuous (despite their nice and easy-going attitude)

    Nov 21, 2008 by
    Not yet rated.
    Pros: -Initial process is clear and concise
    -Takes on a nice, easy-going persona
    -Low fees, of course
    Cons: -Dishonest
    -Wastes time
    -Inefficient

    Summary: I was using ING through a broker, so this is in reference to their wholesale product, which I believe is the same as their retail product (direct to consumers). The initial process is really easy and the agents on the phone are extremely cordial, ... read more

  • Excellent online bank

    Jun 17, 2008 by
    Rated a Helpful Review
    Pros: Higher interest rates, great website, easily links to other accounts.
    Cons: Lack of face to face customer service,cannot deposit money in person.

    Summary: I signed up for ING Direct two years ago after they sent me a promotion to get $75 for a free account setup. I was wary after having a bad experience with a previous online bank(Etrade), but decided it would be worth the risk as a secondary bank ... read more

  • ING Direct-Save your money with them

    May 14, 2008 by
    Rated a Helpful Review
    Pros: Higher Rate on saving products
    Cons: no person relationships

    Summary: ING Direct is one of the easiest online banks that I have ever used. There rates on all there product beat almost every other company that I have found. I have one financial institution that I use for everything else except my saving. The reason is no ... read more

  • ING Direct.com / Earn money online making your savings work hard for you.

    Feb 23, 2008 by
    Rated a Very Helpful Review
    Pros: Multiple financial based offerings, Excellent website, Easy to learn functionality, Solid history since inception.
    Cons: Not the highest savings interest rate available online, but worthwhile advantages negate this con.

    Summary: Note to Reader This review is lengthy because of the financial based concern involved, one I personally take ultra seriously. I don’t know about you and how you feel about money, but I work hard for mine. I’m going to bring some ... read more

  • Long story, but I believe it is a valuable consumer warning

    Feb 1, 2008 by
    Rated a Helpful Review
    Pros: better rate than local banks
    Cons: Arbitrary and punitive policies, poor customer relations, Emigrant Direct offers higher rates

    Summary: My son (a teenager at the time) tried to open an ING savings account in 2002. He had just moved back home and ING could not verify his address, so ING would not allow him to open an account. OK, so he opened an account in a local bank and forgot about ... read more

  • ING Direct

    Jan 27, 2008 by
    Rated a Very Helpful Review
    Pros: Significantly higher interest rate than brick and mortar banks.
    Cons: Can take a couple of days to get your money back to your checking account.

    Summary: My wife and I have an ING savings account for about a year and a half now. We have never had any problems with it, but have earned much higher interest rates than we would have been able to elsewhere. Account Setup The process of setting up the ... read more

  • What a wonderful bank!

    Jan 24, 2008 by
    Rated a Helpful Review
    Pros: High interest rates
    Cons: Online only

    Summary: I absolutely LOVE ING. I currently have two accounts with them. One for myself, and one for my son. I love the fact that these savings accounts have such high interest rates. Right now, they are at 4.10 APY... of course it seems to go down every time ... read more

Showing 1-20 of 249 reviews
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