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Not impressed. Any security system that requires me to write down all of the security info. isn't the best . . .and I'm sorry my grandmother's first name is unacceptable to you . . . I also have a transfer that cleared my bank on the 19th that still isn't part of my available balance today, the 26th. It's worth it for the rate difference, but I know why ING doesn't have to bother to be competitive with rates anymore.