[Fern]

OK, fair point. Right now, i keep about $5 to $7k in my checking account and occasionally make transfers to my mutual fund money market account, which is just my cash emergency fund, which i usually don't withdraw from unless i'm a) buying a new car or b) making transfers to my stock/bond mutual funds. So maybe i can uses the ING account in place of the money market account; i'll have to check and see what it's earning, probably less....

Thanks for the feedback.