ING Direct Rate up to 4.5%

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K

kendo26

Member
Sep 29, 2006
43
0
0
ING just raised their rates to 4.5% on November 30th. Please no referal codes in this thread, that's what locked the last one.
 
S

Swanny

Diamond Member
Mar 29, 2001
7,456
0
76
Emigrant Direct is at 5.05%. I've switched all my money from ING to them.
 
M

Mellman

Diamond Member
Jul 9, 2003
3,083
0
76
ING sucks for their rate, HSBC @ 5.05% too - but they suck because their interface is impossible to use - is Emigrant any better?
 
O

osiris3mc

Golden Member
Oct 23, 2001
1,514
0
71
Yes, ING does suck. I haven't used mine in a year or so. The citibank e-savings is fantastic. 5% with realtime transfers to your checking account (and access at ATMs). Makes it so accessible!
 
B

BadThad

Lifer
Feb 22, 2000
12,100
49
91
Originally posted by: Mellman
ING sucks for their rate, HSBC @ 5.05% too - but they suck because their interface is impossible to use - is Emigrant any better?
Click to expand...

HUH? I never have any problems with ING's interface and I've been using it for years. :roll:
 
S

Schfifty Five

Lifer
Oct 20, 2005
10,978
44
91
Originally posted by: BadThad
Originally posted by: Mellman
ING sucks for their rate, HSBC @ 5.05% too - but they suck because their interface is impossible to use - is Emigrant any better?
Click to expand...

HUH? I never have any problems with ING's interface and I've been using it for years. :roll:
Click to expand...

I think Mellman meant that HSBC's interface sucks which it does. ING has a very easy to use interface and HSBC is very troublesome to get your account setup. But ocne you get it done, the higher interest rate is worth it.
 
B

BadThad

Lifer
Feb 22, 2000
12,100
49
91
Originally posted by: osiris3mc
Yes, ING does suck. I haven't used mine in a year or so. The citibank e-savings is fantastic. 5% with realtime transfers to your checking account (and access at ATMs). Makes it so accessible!
Click to expand...

Fantasic? Bull...

This offer is not available at Citibank Financial Centers.

?To qualify for Free Citibank EZ Checking, you must apply online for both a new regular checking and e-Savings Account in the EZ Checking package by 12/31/2006. Your relationship package will then be free of monthly maintenance fees and per-check fees. Charges for other account-related services may apply. All accounts are subject to approval. Offer only available for first-time Citibank checking/deposit account customers, and is valid only once for any individual.

*Annual Percentage Yield (APY) is current for the e-Savings Account as of 11/28/2006 and is subject to change. Rates may change after the account is opened and fees could reduce earnings. You must apply for an e?Savings account online at citibank.com. If at any time your e-Savings Account is not statement linked to a checking account in a qualifying relationship package listed below, your e-Savings Account will earn interest at the rate paid on the Citibank Day-to-Day savings account.

Qualifying relationship packages are Citibank EZ Checking, Citibank Account, Citibank Everything Counts and Citigold. To open a Citibank e-Savings Account you must have or open a checking account in a qualifying relationship package. Your Citibank e-Savings Account must also appear on the same statement as your checking account. Regular Checking Accounts do not earn interest. Fees may apply to the checking account.
Click to expand...

I don't want one of their checking accounts and Citi suxors based on my experiences with them. If they can charge you a fee at any point, THEY WILL and you won't get that money back. Funny, ING has done nothing but GIVE ME MONEY, Citi can kiss my grits!
 
K

kendo26

Member
Sep 29, 2006
43
0
0
I stick with ING. I've had no problems with them and I been with them for over 4 years. Yes the other pay a little more, but there seems to be more hassles.
 
J

JasonE4

Golden Member
Mar 14, 2005
1,363
0
0
GMAC is at 5.3%. You can take money out with a debit/atm card and write checks against it. Better than anything else right now.
 
C

cyberkost

Lifer
Sep 24, 2005
20,228
1
81
I've been with ED for 2-3 years now and did not have any problems. Yes, ING interface is the best and HSBC is the worst, ED is inbetween.
What ED has (and others don't) is the guarantee that their rate won't go below some (rather high, i think it's 5.05% APY now) threshold for the year. Having said that -- I'm interested in GMAC. Is that accessible to everyone? How long does it take to transfer money from/to your checking (the only thing I'm not quite happy with ED)?
 
C

CptObvious

Platinum Member
Mar 5, 2004
2,501
7
81
HSBC improved their interface a couple months ago. Still not as easy to use as ING (and it doesn't update the interest accrued daily) but the half-point increase is definitely worth it.
 
Rumpltzer

Rumpltzer

Diamond Member
Jun 7, 2003
4,815
33
91
I moved just about all of my money out of my ING account in the spring. I've been getting at least 5.0% from Citibank and HSBC since then.

I called ING on Tuesday to cancel the account, and I was surprised at how easy it was. I think I was on the phone for three minutes. There was no arguing or asking me to stay or anything like that. I had the account for about five years, and I was never unhappy with it... except for the interest rate.

I'm still waiting for my $2.XX to show up in my linked account from my ING account.
 
P

psychmych

Senior member
Nov 1, 2006
516
0
71
Emigrant Direct, no minimum. Funds transfer almost too fast. Highest yield, safe, best small NY bank around. BofA rates suck big time.
 
P

phisher4

Member
May 3, 2003
72
0
61
Ing is now offering a checking account with a pretty respectable interest rate. Right now it's by invitation only; but since a bunch of you already have ing accounts I bet that many of you are invited. Check the banner on the top of your ing account screen when you log in.

The rates are really competitive (if you've got a load of cash)!

$0-$49,999.99 3.00%
$50,000.00-$99,999.99 5.05%
$100,000.00 or more 5.30%

Happy spending...
 
Brainonska511

Brainonska511

Lifer
Dec 10, 2005
27,516
11,863
136
I have most of my money in an HSBC account right now, but I also have a Citibank E-Savings linked up with my Citibank Student Checking (Fee Free for as long as I'm in school) which gets a good rate. I do like the instant transfers between checking and savings that Citibank provides.
 
K

KFCrispy

Member
Jul 15, 2003
112
0
0
what's wrong with HSBC's interface? i've been using it for 5 years now. they recently added another security login screen but so did other places.
 
O

osiris3mc

Golden Member
Oct 23, 2001
1,514
0
71
Originally posted by: BadThad
Originally posted by: osiris3mc
Yes, ING does suck. I haven't used mine in a year or so. The citibank e-savings is fantastic. 5% with realtime transfers to your checking account (and access at ATMs). Makes it so accessible!
Click to expand...

Fantasic? Bull...

This offer is not available at Citibank Financial Centers.

?To qualify for Free Citibank EZ Checking, you must apply online for both a new regular checking and e-Savings Account in the EZ Checking package by 12/31/2006. Your relationship package will then be free of monthly maintenance fees and per-check fees. Charges for other account-related services may apply. All accounts are subject to approval. Offer only available for first-time Citibank checking/deposit account customers, and is valid only once for any individual.

*Annual Percentage Yield (APY) is current for the e-Savings Account as of 11/28/2006 and is subject to change. Rates may change after the account is opened and fees could reduce earnings. You must apply for an e?Savings account online at citibank.com. If at any time your e-Savings Account is not statement linked to a checking account in a qualifying relationship package listed below, your e-Savings Account will earn interest at the rate paid on the Citibank Day-to-Day savings account.

Qualifying relationship packages are Citibank EZ Checking, Citibank Account, Citibank Everything Counts and Citigold. To open a Citibank e-Savings Account you must have or open a checking account in a qualifying relationship package. Your Citibank e-Savings Account must also appear on the same statement as your checking account. Regular Checking Accounts do not earn interest. Fees may apply to the checking account.
Click to expand...

I don't want one of their checking accounts and Citi suxors based on my experiences with them. If they can charge you a fee at any point, THEY WILL and you won't get that money back. Funny, ING has done nothing but GIVE ME MONEY, Citi can kiss my grits!
Click to expand...


Oh, sorry dude. I have the private banking group. They never charge me for anything.
 
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