[CJsoccerchic]

Originally Posted by BTC

I recently moved all but 15 cents from ING Direct to Emigrant Direct. I haven't experienced any problems at all and received my hat a couple of days ago. I had no idea I was going to receive this hat. I must say, it's a mighty fine hat. It's easily worth 25 bucks and by the time I auction it on EBay, I figure I'll be ahead a few dollars.

ING has a much better user interface and a more secure login process, but it primarily comes down to the interest rate. I was disappointed when I learned that another institution was besting their rate by 17%. I actually spent 2 years doing some software consulting at ING's North American headquarters in Atlanta. It was a great place to work.

Emigrant might offer a secure messaging system, but it's of little value if they fail to respond to your inquiries, which has been my experience thus far. I did receive a letter this week stating that Emigrant has opened a new "state-of-the-art" Customer Service Center in Westchester. So, maybe their front end experience will improve.

All in all, my transition from ING to Emigrant has been pretty painless and I certainly appreciate the increased returns.

Which institution is besting ED by 17% ??? I'm sure all of us would transfer in a heartbeat if it was a reputable bank!