[joseblanco]

I am an ING direct account holder for about a year and took the 25 USD bonus. They now offer a 50 USD signup bonus if you get certain tax software, I found one in taxcut. I opened an Emigrant Direct account w/ a small deposit to just see what they were about. I have no complaints about the opening process nor the subsequent customer service from my inquiries. The messaging system Emigrant has is just fine by me. I visited NYC recently and went to a branch, everything is on the up and up with them. I called ING once to see if they were going to respond to Emigrant's entry at 3% and the customer service rep had no idea. Then a few days later it went up to 2.6% Emigrant has responded with 3.25% I've held off long enough to see that Emigrant is legit and that ING is not responding to the challenge on what is the key term, interest rate. ING's experience and sophistication in the online banking realm, and their one time bonus can only go so far. When it was 0.4% I said I'll stay. At 0.65% its time to move a significant portion of the funds over. If bonus is an issue, Metlife bank has a 50 USD bonus for their MMA and 2.5% if you open w/ 5k USD & leave it there for 90 days. Capital one has 2.7% but their credit card branch wronge me once so I would never give them my business. They are all FDIC insured and have ratings of 3 stars and 3 CAEL or above. This is the fullest disclosure I can give on the topic, the ultimate financial decision is up to each individual as to what they are comfortable with.