so hit me up if you want me to use your referral

6/16/2006 9:28:58 PM

pm sent

6/16/2006 10:18:42 PM

dammit

6/16/2006 11:02:49 PM

whats ing?

is that like wachovia?

6/16/2006 11:06:22 PM

http://www.ingdirect.com

online savings account with really good rates

if you deposit 250, you get an extra 25 and your referrer an extra 10 in their account

pm me your first and last name and email address if you want one

6/16/2006 11:19:36 PM

sorry dude that was an example of dnl padding a thread

6/16/2006 11:21:37 PM

interesting

6/17/2006 9:23:09 AM

ive got referrals to virtual bank, it pays $20 and a higher interest rate

6/17/2006 2:20:46 PM

so is there a catch with these ing direct savings accounts? 4.25% on a savings account seems too good to be true

6/17/2006 11:08:50 PM

no catch, its just online so the overhead is much lower

6/17/2006 11:16:22 PM

yup, it is strictly online. So they don't have to pay for all hte buildings and shit and its a lot cheaper for them to do business.

They only allow your initial deposit to be from a mailed check. Everything after that is online. So you have to have an account at a bank where you can deposit the money and then transfer it to the ing account.

It's great . . . my old savings account didn't earn me hardly any interest. I've made like $20 having an account for only a month or so.

6/17/2006 11:21:18 PM

my initial deposit was not from a mailed check... it was straight from my checking account online.

there are a few other online savings accounts online that offer higher than ING's rate. but i like INGs website and setup a little bit better than some others.

6/17/2006 11:41:02 PM

Quote :

" They only allow your initial deposit to be from a mailed check."

Not so. You can start out with an EFT.

6/17/2006 11:52:41 PM

Quote :

"so is there a catch with these ing direct savings accounts? 4.25% on a savings account seems too good to be true lower than all the other online savings accounts"

6/18/2006 12:32:23 AM

Quote :

"online savings accounts online"

haha... oops

6/18/2006 12:55:57 AM

Sounds good. Wachovia has what, 1.5% for the savings account?

6/18/2006 11:44:48 AM

^ I think it's a LOT less. like .25 % not 1.25%

I'm not entirely sure. shamefully i'm sttill with them *needs to switch darn it*

6/18/2006 11:54:41 AM

From Wachovia's site

Interest Rates and Annual Percentage Yields
Balance Tiers................Interest Rates....APY*
$0.00-$9,999.00............0.35%..............0.35%
$10,000.00-$24,999.00...0.70%..............0.70%
$25,000.00+.................0.75%..............0.75%

Account Service Fees
Minimum Balance to Avoid Monthly Service Fee...................$300.00
Each Teller Withdrawal or Transfer Over Three per Month.....$3.00
Monthly Service Fee........................................................$5.00

[Edited on June 18, 2006 at 2:11 PM. Reason : Damn spaces]

6/18/2006 2:10:27 PM

Quote :

"Not so. You can start out with an EFT."

what I was saying came out wrong. I meant that if you want to put money into the account by sending in a check, they will only do that for the initial deposit. Your initial can be online, but everything after that has to be online.

My savings account with BB&T was only earning like .25 %

6/18/2006 5:32:21 PM

Quote :

"ING loses another laptop with private data By AAP 19 June 2006 08:33 AM E-Mail Story Printer Friendly Tell Us Your Opinion ZDNet Alerts AAP A laptop containing the Social Security identification numbers and other personal data of 13,000 employees and former employees of the city of Washington, DC, has been stolen. The computer was stolen last Monday in the US from the Washington home of an employee of ING U.S. Financial Services, said officials with the company, which administers the district's retirement plan."

http://www.zdnet.com.au/news/business/soa/ING_loses_another_laptop_with_private_data/0,39023166,39260328,00.htm

[Edited on June 18, 2006 at 8:30 PM. Reason : ]

6/18/2006 8:29:49 PM

so if someone steals all your money because your account was hacked through the site, do they have insurance to cover it or are you SOL...

6/18/2006 8:38:32 PM

uhh
maybe if it is your ING account thier insurance will cover it
if someone uses your name/ssn on some other account
good luck ...

6/18/2006 8:49:15 PM

thats a very good question sir. I know they are FDIC insured, but I think that just covers your money if the bank goes under.

I don't see a direct answer on the website either.

Are you talking along the lines of someone accessing your account and just taking the money from the account, or are you talking about them getting your info from the site and running up a bunch of credit on your SSN?

6/18/2006 8:56:01 PM

Are there any other fees related to this account? I couldn't really find it on the website.

6/19/2006 11:00:23 AM

^ nope, it's all free.

6/19/2006 11:12:43 AM

just to clarify - ING is not "just another online bank". It is a huge company based in The Netherlands. The ING Group was formed in 1991 from a big merger of other financial companies dating back to the 1840s. In The Netherlands and other parts of Europe, they are a traditional "bricks and morter" company with buildings and offices and local branches and whatnot.
http://www.ing.com/group/showdoc.jsp?docid=074177_EN

I was in Amsterdam over the weekend, and ING advertisements are everywhere and the occasional bank or building (though not as much as other Dutch banks, like Rabobank)

ING DIRECT and ING DIRECT USA are smaller subsidiaries that offer online and telephone access to banks, but they are still backed by the much larger ING Group.
https://home.ingdirect.com/about/about.asp

6/19/2006 11:57:11 AM

30thAnnZ, are you good
someone hook you up yet?

6/19/2006 12:00:51 PM

^^ only word i learned in dutch when i was over there is "Geldautomaat"

6/19/2006 12:19:04 PM

i'm opening up an orange as well, hit me up if you want to refer me

7/6/2006 8:29:09 PM

pm sent

7/6/2006 8:41:00 PM

if anybody else is going to open an orange, hit me up for a reference please

7/6/2006 9:25:20 PM

and once ^ gets a reference, i want to refer someone.

i need the gas money. ing is hella awesome.

7/6/2006 10:26:03 PM

Same here

7/6/2006 11:50:05 PM

come on people you know you want one!!

by the was I second to reply to the thread

7/7/2006 11:16:53 PM

I'm looking to open an ING account if anyone wants me to use a referral.

8/2/2006 8:41:18 AM

pm sent

8/2/2006 8:45:18 AM

Just use SECU, and if you can't, get a temp job any any ncsu department for 2 days and get one.

Then open a money market account. %4.75 right now.

8/2/2006 11:29:11 AM

Also willing to give referalls.

8/2/2006 2:07:43 PM

Quote :

"yup, it is strictly online. So they don't have to pay for all hte buildings and shit and its a lot cheaper for them to do business. "

theres a huge ing buidling in DE.

8/2/2006 2:11:53 PM

i think i remember seeing an ing building in chicago when i was there this weekend as well.

8/2/2006 2:16:41 PM

if anyone else wants to open an ING direct acct send me a PM
if you initially deposit $250 you get a bonus $25 and i get $10.
so lets do it

8/24/2006 9:27:43 AM

Hey, I want to refer someone too!

8/24/2006 9:30:41 AM

i'm going to open up an account when i get 250 bucks, prolly around 3 more weeks or so

8/24/2006 1:27:25 PM

HSBC, Citibank, and emigrantdirect offer a better interest rate right now.

8/24/2006 1:33:06 PM

but the interface at Emigrant is so dreadful it's worth the lower interest rate to go ING.


and I have referrals, too.
I'm cooler than most of these other schmucks, so use mine.

8/24/2006 2:56:42 PM

^ what can you do on the ING site that you can't on the ED site?

It's not pretty, but it works exactly the same. I would hardly say that the 5 minutes per month I will spend looking at the site is worth PAYING for... ED has always been very prompt w/transfers and such too.



my money is with citi right now. free $200!!

[Edited on August 24, 2006 at 3:09 PM. Reason : d]

8/24/2006 3:09:02 PM

are they still giving $200?

8/24/2006 3:53:21 PM

Quote :

"but the interface at Emigrant is so dreadful"

bullshit.... the new ED website is on par with ING's in terms of looks, functionality, ease of use, navigation, etc. i actually like it better than ING's website now. it's cleaner without all that stupid flash shit. it's worth the extra 0.8% to go with Emigrant now.

open up an ING to get the $25/$10 then move it somewhere that pays a higher %.

8/24/2006 4:14:27 PM

^^ yes, they're still giving away $200. Gotta use a promo code. gotta use google to get that promo code.

8/24/2006 4:19:31 PM

I'm gonna cause another mini riot on here - I'm about to open an account. Since I want to do it this afternoon, I'm not trying to find people previously on the thread. First one who sends me a PM will get the referral.

And we have a winner. ShawnaC123 is the winner by 3 minutes.

[Edited on October 1, 2006 at 4:53 PM. Reason : update]

10/1/2006 4:47:26 PM