ING Direct vs Emigrant Direct Bank

[CJsoccerchic]

Re: ING Direct vs Emigrant Direct Bank

I agre with that, I LIKE ING, i justwish they'd be top dawg again!

[BTC]

Re: ING Direct vs Emigrant Direct Bank

I initiated a transfer out of ING yesterday and the money was in my checking account this morning. That's the fastest turn around I've ever experienced with ING. I like it. If only their yield didn't suck.

[jmjj215]

Re: ING Direct vs Emigrant Direct Bank

I don't move from ING only because I have never had one single issue with them. And I'm yet to hear of anyone else having any issues with them.

[SuzeOFan]

Re: ING Direct vs Emigrant Direct Bank

You know, service ranks high in my book.

There's more than just interest to take into account.

Sure - you could always do better and you can always do worse.

But so what if you get a slightly better rate? If you can't access your account and your pulling out your hair because the service stinks... that's an important fact you'll need to consider when making your decision about where to put your money.

I'm with jmjj215 in that I've never ever had one single problem with ING's service or their customer-friendly site.

If I had started with E.D. instead of ING ...I would have been turned off by the whole online banking thing.

[BTC]

Re: ING Direct vs Emigrant Direct Bank

I guess you have to go with your priorities. When it comes to savings, how much I'm getting paid is the key consideration. If ING's yield didn't suck, I would have never been compelled to look elsewhere. I don't consider getting anywhere from 8.5-14.5% more in the way of a return to be "slightly" better. It's fairly significant, imo.

I've had no issues with any of the banks I'm using. The only think I dislike about any of them, aside from ING's less than stellar yield, is the amount of time it takes HSBC to process a transfer.

[SuzeOFan]

Re: ING Direct vs Emigrant Direct Bank

Do you kiss your mama with that mouth BTC?

[BTC]

Re: ING Direct vs Emigrant Direct Bank

Yes, I do. I take it you have a problem with my characterization of ING's yield as "less than stellar"?

[wyett3]

Re: ING Direct vs Emigrant Direct Bank

... If ING's yield didn't suck, I would have never been compelled to look elsewhere. I don't consider getting anywhere from 8.5-14.5% more in the way of a return to be "slightly" better. It's fairly significant, imo.

I've had no issues with any of the banks I'm using. The only think I dislike about any of them, aside from ING's less than stellar yield, is the amount of time it takes HSBC to process a transfer.

That's the rub! I started at 4.00% then they went down lock step and barrel with the Fed but not so on the way back up.

ING kept making their login process more obtuse too; when I started all you had was the username/password. They were up to playing 20 questions plus intricate PIN entry when I left; so much for strong passwords. I felt like a circus animal when I was done!

[JPWRana]

Re: ING Direct vs Emigrant Direct Bank

I enjoy the added security of having more passwords and complex PIN number... FOR MY SECURITY!!! By doing this, it will defeat the purpose of keyloggers. Thank you ING!!! I wish other banks would do this (no sarcasm).

[sweeps]

Re: ING Direct vs Emigrant Direct Bank

JPW, does ING require you to enter your PIN via mouse clicks? Simply adding more complex passwords that you type in will not defeat a keylogger. HSBC uses a virtual keyboard on screen that prevents a keylogger from knowing what PIN was entered.

[BTC]

Re: ING Direct vs Emigrant Direct Bank

ING does not require that you enter your PIN via a mouse, but they associate various letters of the keyboard with with the digits 0-9 and I believe the association may be randomized each time you attempt to login, but I'm not sure about that as I generally use a mouse. For example, a Z might equate to a 1, a B might equate to a 2 etc. This is a relatively new procedure. I just logged in a couple of times and the letter/number association was different the second time around.

I like everything about ING with the exception of their yield. Considering that I once worked there, I might find it more disappointing than someone with no ties to the company. It was a great place to work and I really enjoyed my time there.

I also like HSBC's approach of requiring entry of a security key via a virtual keyboard in order to initiate transfers. I would like to see ED take steps to beef up their security as well as their interface.

[JPWRana]

Re: ING Direct vs Emigrant Direct Bank

yes BTC, the association of PIN with virtual keys IS RANDOMIZED. you can CLICK on the keys or type them in.

[mrvirgo]

Re: ING Direct vs Emigrant Direct Bank

I too appreciate the added security Ing and HSBC provide and don't mind hitting a few more keys to get to my account. The last thing I want is to log on and find my balance is zero because of hacker theft.

[jmjj215]

Re: ING Direct vs Emigrant Direct Bank

JPW, does ING require you to enter your PIN via mouse clicks? Simply adding more complex passwords that you type in will not defeat a keylogger. HSBC uses a virtual keyboard on screen that prevents a keylogger from knowing what PIN was entered.

Sweeps, the association between the numbers and keystrokes is random. So you can choose between mousepad or keystroke. Keystroke takes a bit more work because you have to look for your number, then look for the letter it's associated with. So with my PIN, it was ACZN, which equaled 9021 - my pin.

[jmjj215]

Re: ING Direct vs Emigrant Direct Bank

I'm totally kidding (about the Beverly Hills pin that is)