[doglar]

checking their T&C for ING saving account

"Who Can Open an Account: You can open a deposit account with us if you are a citizen or permanent resident (per the U.S. Citizenship and Immigration Services) of the 50 United States and the District of Columbia (the "U.S."), have a social security number and U.S. address. Taxpayer IDs ("TINs") are not acceptable and your Linked Account must be with a bank chartered in the U.S."

So it sounds like without a social, one may not be able to open an account.

looks like they only offer 2 types of account (individual & Joint)....you could open one for yourself only and 2 others as joint accounts (you+#1 and you+#2) and that should take care of the social issue (who will be paying the taxes on the earned interest).

"Types of Account Ownership:

* Individual Account. This type of account is owned by one person only, and only that person can take money out.
* Joint Account. This type of account is owned by two people. Except for certain retirement benefits like Social Security, if one person dies, the money in the account then belongs only to the survivor (and not to the estate of the deceased person). If a husband and wife own the account, the legal term for how they own it is as "tenants by the entireties"; otherwise, the owners of the account are called "joint tenants". Any owner of the account may: (i) withdraw or transfer the balance without the other owner's consent; (ii) make deposits, close or pledge the account to us as collateral for a debt owed to us; and (iii) endorse and deposit checks payable to any joint owner. Your obligations under this agreement are joint and several."

there was no mention of the $25 in the T&Cs

they also state....
"Additional personal identification in the form of a Drivers License or State Issued ID is required for customers over 16 years of age."