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debtstinker
Joined: 03 Nov 2007
debtstinker's page
Posts: 302
1 Magic Points
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Sun Nov 18, 2007 3:20 am
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| Sun, I think you're not the only ones leaving traditional banks behind. i researched ING some and they are credited with intitiating online savings with all the benefits surrounding their accounts. now other biggies like capital one and such are imitating them. doing some research they are all very competitive though all have terms and conditions that you have to read carefully before deciding which institution to trust your money with! the suggestions you gave are great! |
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SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
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Sun Nov 18, 2007 4:49 pm
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your are so right debtstinker.... everyone needs to read the fineprint.. Don't just jump into something with a nice return. Some of these net banks may have stipulations that others maynot. Each bank is different. In my case, I look for banks that best fits my needs (easy access and easy bill pay) along with the better interest rate...
Most importantly, it must be FDIC... |
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debtstinker
Joined: 03 Nov 2007
debtstinker's page
Posts: 302
1 Magic Points
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Sun Nov 18, 2007 4:52 pm
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| Sun, i noticed with ING you have to be connected with a checking account. we only have one and i'm very leary allowing that information over the net as that's our only income right now and one swipe could wipe us out. would you recommend opening another checking just for ING or do you trust the transaction with your main checking account? you may have answered this some before and if so i apologize. i'm just skeptical not of ING, but of computer savvy folks out there. ING would be a prime target as other biggies out there. paranoid, maybe but i've seen people who have had issues with hackers and it takes a long time and resources to fix. |
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SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
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Mon Nov 19, 2007 1:52 am
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| you could always open another account with the bank just for internet transefers.... Thats what I did.... |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Tue Nov 20, 2007 7:58 am
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Thats a good proposition. Thanks Sun 
_________________
Regards,
Laura. |
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diem
Joined: 20 Feb 2008
diem's page
Posts: 94
152 Magic Points
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Wed Feb 20, 2008 7:08 pm
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Evidently, ING Direct performs periodic account reviews and will close accounts from customers who may abuse their overdraft protection based on credit reports. Nick admitted he had been “living in” the $1,000 overdraft protection (more like a cash advance). That could have triggered the account review.
Be careful with ing. They went on a rampage closing TONS of accounts of unwitting customers, causing many others to pull their money. The decision was not approved by the appropriate people however, and they tried to salvage what they could. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sat Jun 28, 2008 11:18 am
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They will definately close it for constantly using the overdraft on it, they would probably think that you would end up not paying it at some point.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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obama
Joined: 17 Jul 2008
obama's page
Posts: 3
109 Magic Points
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Subject: obama
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Thu Jul 17, 2008 6:50 pm
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Hmmm!!! Thanks for the amazing information,
nice job!
Thank you!
Foreclosure |
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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Thu Jul 17, 2008 10:48 pm
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| goodnatured always post good information on here, I have gotten some really good advice on this site. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Jul 29, 2008 3:21 pm
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| Hey I am with ya ERB that good natured is pretty awesome. |
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SunDevilsFan
Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 189
Location: Sunny Arizona
6612 Magic Points
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Tue Jul 29, 2008 6:17 pm
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Fortunatley I have yet to had any problems with ING. Thank God. With the recent banking issues going on that is.
I just keep my emergency money in there. Stashing couple of bucks here and there in it.
I also have a couple of other savings accounts there just to save some money, or put some back, for expected expenses. Such as, car insurance, income taxes, and travel expenses. And, yes, my 3-6 months of expense fund is in there too.
The primary reason I opened accounts there was basically for the higher returns I would receive compared to the tradional bank. I still utilize the traditional bank on a daily basis to receive my paycheck and to pay bills..
I would be interested to hear from those that have had their accounts closed by ING (or, any other on-line bank for that matter). I would like to hear what the reasons were and what you did as a result of them closing the accounts.. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Jul 30, 2008 12:23 pm
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| Sun it is always good to be informed. I like your idea of saving. Sounds like you got a pretty good plan there. It is amazing how $10 here and there can start adding up. |
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