ING DIRECT up to 4.40 % from 4.35%

[Snipersheep]

I think you really ought to check out GMAC Bank (http://www.gmacbank.com) - 5% APY, 4.88% APR, ATM card, checks, reimbursement for out-of-network ATM transactions. Backed by GM.

Cons: $500 minimum to avoid fees.

 

[walkure]

Originally posted by: Snipersheep
I think you really ought to check out GMAC Bank (http://www.gmacbank.com) - 5% APY, 4.88% APR, ATM card, checks, reimbursement for out-of-network ATM transactions. Backed by GM.

Cons: $500 minimum to avoid fees.

I checked out GMAC after an earlier post talked about their ATM/check-writing features. But apparently HSBC also gives you an ATM Card. From their FAQ:

"You can use your ATM card to deposit or withdraw your money at any participating ATM. Some stores will also let you pay for your purchases and receive cash back with your ATM card. Please refer to the ATM agreement that accompanied your card for more information."

"You can get an HSBC ATM card when you open your HSBCdirect Online Savings Account. It will be linked to your new account. Just select ATM card on the application. To request an HSBC ATM card after opening your HSBCdirect Online Savings Account, you can call us at 1-800-975-HSBC (4722) and we?ll be happy to help you get an ATM card."

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I see that Emigrant Direct allows direct deposit (i.e. for my paychecks):

"How do I set up direct deposit?

You can set up direct deposits into your American Dream Savings Account by providing EmigrantDirect?s routing number (our routing number is 226070319) and your American Dream account number to the company that will be sending the funds to your American Dream Account."

^^^ Does HSBC allow this as well? I didn't see it on their site. It seems like the best bet for continuing to add money to the account (no 2-4 day delay while transfering it from your primary checking account).

Anyway, thanks for the advice.

 

[BadThad]

Originally posted by: Snipersheep
I think you really ought to check out GMAC Bank (http://www.gmacbank.com) - 5% APY, 4.88% APR, ATM card, checks, reimbursement for out-of-network ATM transactions. Backed by GM.

Cons: $500 minimum to avoid fees.

Dasm, that's a great deal!

 

[Yakomo]

Going to sign up for an account can anyone give me a referral? thx! 🙂

 

[esquared]

.

 

[bigl523]

Originally posted by: Yakomo
Going to sign up for an account can anyone give me a referral? thx! 🙂

YGPM. I have like 20 more available if others are interested, just pm me. $25 for doing what you were going to do anyways is always a nice treat 🙂

 

[strikeab0920]

ING is getting hot all of the sudden. Think i'll get myself a savings account...

 

[Brainonska511]

Originally posted by: strikeab0920
ING is getting hot all of the sudden. Think i'll get myself a savings account...

Why go ING though, there are other banks that offer better interest rates?

 

[imported_BS]

ING has not been hot for some time. Emigrantdirect's 5.15% is still tops and far above ING.

 

[Dacalo]

I have been using ING since 2001 but recently moved all by assets to Emigrant due to higher rates. Although ING interface is much more friendly, I cannot justify the big rate difference.

 

[jmcoreymv]

I still use ING because their customer service is great, their interface is great, and they are very responsive. I'm willing to sacrifice the small interest difference for those things, and not having to speak to someone I can barely understand if I have a problem.

 

[poisonthewell]

yes, interface and security keeps me there . . . but i've seen some 6 and 9 month CDs at over a point higher interest of late and I might jump ship for a bit.

 

[bigl523]

the beauty of ing vs a CD is you can take out at any time without any penalties so i wouldn't be comparing the two. idk bout emigrant, but ing is pretty good with the no minimum balance requirement

 

[vital]

i stopped using ING because it doesn't work very well with MS MONEY 2007

 

[jmcoreymv]

Originally posted by: vital
i stopped using ING because it doesn't work very well with MS MONEY 2007

Yea the one thing that is a slight nuisance is that now you have to download the money file from their website, you can't do an auto-update in MS Money.

 

[rockytong]

I have both ING and Emigrant. ING rate suck big time. Same goes for the Emigrant's website which sometimes work other times don't.

 

[vital]

Originally posted by: rockytong
I have both ING and Emigrant. ING rate suck big time. Same goes for the Emigrant's website which sometimes work other times don't.

that's why i signed up for HSBC.

 

[Gibson486]

referal for emigrant??? I need one. Do I get a bonus if i sign up through referel rather than going to the website?

 

[CKDragon]

Originally posted by: jmcoreymv

Originally posted by: vital
i stopped using ING because it doesn't work very well with MS MONEY 2007

Yea the one thing that is a slight nuisance is that now you have to download the money file from their website, you can't do an auto-update in MS Money.

How is HSBC about this? I have everything in Emigrant, but if there's a company that does the auto-update for MS Money I might jump just for that. 😛

 

[JasonE4]

Originally posted by: Gibson486
referal for emigrant??? I need one. Do I get a bonus if i sign up through referel rather than going to the website?

You get $10 if you sign up using this method. You can also get $10 extra if you have an ING referral to send.

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Locked because people cannot abide by our rule against requests for referral codes and offers to provide them.

AnandTech Moderator