[goodtosave]

I guess it depends on what worthwhile means to you. It's different to each person.

Using APY.
It's 0.25 difference a year for $100 at today's rates.
It's 2.50 difference a year for $1000 at today's rates.

You can do the math.

Keep in mind also that Emigrant Direct allows you to access your funds the next business day if you are requesting the transfer on a business day before 3:30EST.

ING Direct requires two business days to get your funds.

With ING Direct, you also lose a day's of interest because ING Direct would withdraw your funds on the next business day but the deposit hits your checking the 2nd business day.

And ING Direct does the same thing when you transfer your funds from checking account to ING Direct Savings.

Bottomline is that you lose one day's interest every time you do a transaction with ING Direct.