[fratkid21]

okay, i had the same problem at first.... i did call them and talk to them: once your account is fully activated, it takes one full business day, before your "transfer funds" link becomes available on the left hand side of the screen.

i actually have not had any problems with either ED or ING, and am happy with both so far...

now then, having said that, the fed funds rate is up, and there are a few banks giving higher rates --- check out bankrate.com. has anyone heard of these other banks???

Also GMACBank.com is offering 3.75, better than ING also. This is a very good bank/company. I have 2 mortgages with them, and am considering moving my remaining ING funds to them, any thoughts?