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I have a couple of savings accounts with them and have for years. I saved for the wedding with ING because the interest rates tend to be better (for savings, I don't know about CD's and things like that).
Pros: interest rate, automatic savings plans, link to your current bank account (you could bank just with ING, but I have an account with a local bank too) uh...easy to use...no fees...
Cons: if you have a savings account linked to your home bank's checking account, transfers take two days. This wasn't a big to me, I just had to plan ahead. ING does offer checking though, so this would kind of eliminate the two day wait issue.
I guess there aren't huge pros and cons like there would be at a free standing bank beside the rates, though I suppose if you shopped around enough, you might get better rates somewhere else. ING is super easy and very convenient, so that's why I chose them. Plus you can open as many accounts as you like - I have about 5 going right now, and I'm able to name them all different things, like "household" "wedding" "Christmas fund" etc, and have a certain amount of money go into each account each week or every other week - whatever you want. It helps me feel organized!
My Dad uses them and has been telling me for years to open up an account. Now that we are saving for the wedding, I might just have to listen to his advice:)
I used ING for our wedding savings. I've been a "saver" with them since 2004, and they're great!
This is more helpful than my ramble, lol: http://helpcenter.ingdirect.com/
it explains how your money is FDIC insured, how you access your account, etc.
I have ING for both my personal savings and for a joint savings with my fiance. I'm very happy with them.
Pros:
- better interest rate than an average bank
- FDIC insured, it is a real bank and has the protection to go along with it
- easy to create seperate accounts for saving for different things
- easy to set up both personal and joint accounts
Cons:
- takes 2 days to transfer money out of savings
If you want, I can send you a "friend referral". If I "refer" you, and you open an account with $250, I'll get a $10 referal bonus and you'll get a $25 account opening bonus. Just shoot me a private message with your name and email address.
I use them and have for years but their savings rate is NOT that great. Maybe if you have about $10,000 or so it starts adding up. But it was better than my meager Citi account. I also use SmartyPig. It's pretty awesome too.
I use them (and really like them) for savings/CDs. Their savings rates have gone down a lot in the last few years (like everywhere), but it's still better than what I can get w/ my brick and mortar bank. I still use a traditional bank for my checking account.
I've been using ING forever and I love them. I got my then-boyfriend to start saving using an ING account and there's where the engagement ring money came from, as well as our wedding money. I like that it's automatic so you don't even need to think about saving. I've earned hundreds of dollars in interest since I've started, which is pretty damn good.
I opened my ING savings account in '05 when my interest was about 3.5% which did add up. Now it's like 1%. I like having money there that I can't touch easily and it really just sits there and grows (even if more slowly now!).
they have good customer service and it's very easy to use. It's a great way to put money in a place you can't use every day when you want to save up. I even put my tax returns right in to there!
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I was commenting the other day to my boss that I have been saving for the wedding. She suggested getting an ING account (probably because that is what she has!). I was looking over the ING website, but honestly, I don't know anyone who has an account with them.
If any of the bees do, would you mind sharing the pros and cons of ING?
Thank you!!