farscape7

Prolific Programmer

ING can munch my dingleberries.

ColonelDebugger

But I called them up each time, and after a short phone tree was immediately connected to a live person. People on the phone were really nice and had everything working within a minute.

Only other tiny issue I had with them is that they tell you they will never ask you via e-mail for any sort of account information. But when you try and make your first deposit from your account from another bank, they ask you to fax a voided copy of check from that account. I understand WHY they do it, but they didn't make me aware that they were going to ask for it. They also didn't send any confirmation they had received it. But that's all a very minor issue.

Those small issues aside, they've been great. Simple to use and account transfers are painless. I like not having to worry about keeping a minimum balance.

*not the actual team I had used.

bonzombiekitty

I also think Capital One Savings and High Yield MMA should be added to that list. The MMA currently has an APY of about 3.05% I believe and since interest rates can't really go much lower I's say it is a good investment, and the website has great usability and you can find a lot of information on their website.

hoosierdaddy812

As far as Provident Direct, their customer service reps are idiots. When opening my accounts I had to call them in regard to a few issues and the reps know nothing. They will make you call another number or claim to call you back. You are much better using their e-care form on their site. Also like most banks, Provident Bank was in the MD/DC news about mortgage troubles.

I think ING's transfers are about 3 days. I honestly forgot but maybe it was the transfer was next day, but you had to wait a few days before being able to access the funds.

I didn't see this mentioned, but Alliant Credit Union is offering 4% with a min of $100.

skadoo323

llryuujinll

micasaessucasa

spinachdip

Is the difference between 2.70% & 3.6 really worth it?

forgottenpassword

never had a problem that was not resolved.

even went out the way to help.

crunchtime2k

spinachdip

tricky69

I've said it on consumerist probably 3 or 4 times now but I love having my accounts there. I am always surprised when I hear people say they had issues...

yourbffjill

Ihaveasmartpuppy

bkpatt

GearheadGeek

Orv

I also have HSBC and their web site is pretty weak. And as for the OneUnited - I wouldn't go with them because they make a big deal about it. I don't care who you are except if you're gonna make a big deal about it, so will I. Inserting useless attributes like race is not the way to build "One Community" (their term, not mine). Kind of like it annoys me when I see Jesus fish on ads in the Yellow Pages. OK, you have a religion, good for you, why should I care?

RevRagnarok

Landru

Check bankrate.com. Personally, I'd avoid any bank that doesn't get at least four stars from them.

Sometimes, high interest rates on CDs/savings/checking indicates a bank that is desperate to attract capital.

BigElectricCat

EarlNowak

hoosierdaddy812

ReidWings

Cache22

petrarch1608

Dobernala

The thing about FDIC is that it insures your money in the event that the company has to liquidate. I'm not saying that's impossible with Paypal/Ebay, but just putting it in perspective.

Truvill

Bladefist

Davezter

ING Direct is great when you first open it, since they often have some bonus upon opening there. In the past, I've opened an account just to get $25 in my account, wait after a certain period, pulled it out and repeat.

OneUnited reminds me of the same BS I read about Wright's church. It used to lead in the rates but I've honestly seen much better that are still FDIC insured.

Truvill

S-the-K

Anyway, back to the topic at hand - my local credit union does 3.20% on their money market savings account, with a $250 minimum, and no shenanigans. Look around, you might be surprised what you can find close to home.

beavis88

I personally just like to stick with non online banks i used HSBC but it's such a damn pain in the ass and there's always the threat of theft (that I've read all over the place).

I wouldn't suggest the Paypal deal non FDIC insured is like putting your money in a cardboard box on a boat.

Skankingmike

healthdog

I currently have most of my savings at AmTrust Direct. (www.amtrustdirect.com) When I opened the account in November, they offered me 5.25% APY for 90 days but it dropped to 4.5% something but now it has been at 3.25%.

They even have local brances in some places, mainly Ohio, but they have a place here in Palm Beach, FL where I live. I've had no problems with the bank at all! It should be on this list!

RChris173

tricky69

At least, that's why I'm still using them.

@petrarch1608: My thoughts exactly--what does race have to do with operating a bank or choosing to do business with them? A sign of the times, I suppose.

AmbroseP

csdiego

fluiddruid

chiieddy

jadenton

Maybe I'm missing out on some really obvious reason nobody ever mentions CapitalOne on these posts, but my rate there is at 2.96 APY with no minimum. I write checks out of that account every month or two (I think you can write a handful a mont), but they're fairly typical, like others, at taking three full days to transfer money electronically.

I don't really understand the hype about ING. Their rates are always average among the high-yield banks. I will say, as a plus, that when I called their support number, I didn't even have to go through a menu; a person picked up after two rings. I was shocked.

hellinmyeyes

bricklayer

youbastid

How is that not a 3 month CD?

Landru

petrarch1608

Don't forget 3.25% at Amtrustdirect.com
I like them

gregcuc

I also have the Citibank Ultimate Money account which is basically the same thing as the e-savings but its a checking account (also has Rewards program).

I would switch banks based on some of the problems I have had in the past with citibank but I have been a client since I was 16 (now am 29), so I have 3000 in instant availability with deposits.

Chongo

petrarch1608

For example, I've been pleased with the ease of use and service with ING Direct. On the flip side, I would rather keep my cash in the bottom of a mattress in the fireworks factory than deal with E*Trade again.

BigBoat