[doglar]

I have yet to see ING beat capital one in interest rate. Each time ING increases their rate, it is to match Capital One's. A few days later, Capital One jump up out of reach of ING. When ING jumped to 3.15% APY to match CapOne between 7/18 & 7/21...CapOne jumped to 3.30% APY on 7/27 (although I wished it would have been sooner). So with CapOne you know you are either better off or as good as ING. Get your $25 lifetime freebee and get out of ING.
My other issue with ING is they identify you by your phone number, so at a friend's house, use their phone to transfer their money around....