<p>Does Anybody have an IGN Direct Savings Account with the 4.50 interest rate?
If so, is there any way you can set up your account so you have two seperate “accounts” under your main account
For example, you have $1,000 in one “account” gaining interest, and then a second “account or subaccount” in which you have say, $200 gaining interest as well?</p>
<p>why? Either work the math yourself or open under two titles.</p>
<p>The best deal I know is “Interest Plus” from GE. Just google “Interest plus GE” and you will find it. The account pays you 5.3% (5.43 APY) while letting you access your money as a checking account. The only restriction is that you can’t write check under $300.</p>
<p>We have several ING Direct accounts and an HSBC account. I find the ING direct easier to deal with. Yes, you can set up as many accounts as you want. PM me and I’ll fill you in.</p>
<p>We also have more than one ING Direct savings account, and they have a new “Electric Orange” checking account which pays 4% interest on $ up to $50,000 and over 5% if you are able to keep more than $50,000 in the account. ING has been adjusting the interest rate upward on a periodic basis.</p>
<p>I think the answer to your question is that there is an icon on the screen which says “Open an account,” and you can do that more than once, with or without a joint account holder.</p>
<p>I love the multiple accounts in ING because I have set up several for different savings purposes. Keeps me honest.</p>
<p>We have/had several ING accounts, but now I am shifting to E*trade bank. Pays higher than ING and transfer ins/outs are easier than ING. With ING you can only transfer ins/outs to your checking account for which you have checks !!</p>
<p>I opened a Citibank e-savings account over the internet. It is currently paying 4.65%. I liked the fact that I could still go to the B&M and use the drive thru. It requires a checking account, but where I just keep a minimal amount. Transfers to the checking are instantaneous and I have since found out that they do transfers to external bank accounts without a charge. Those take a few days, depending on the receiving bank. I have been very happy with it. When I opened this type of account for my Mom, she got a bonus $50, but I am not sure if this promotion is still available.</p>
<p>Yes, ING is really easy to link accounts. I also am pleased with their customer service, and transfer times. (never more than a few days)</p>
<p>I recently switched to HSBC because there rate was promotional 6%, and noe 5.05% or so. Their customer service is poor, and I’ve had transfers take a week or more. But, for the interest rate, I’m willing to put up with it for awhile. It took me over a month to set up three linking accounts with them!</p>
<p>I have the seperate account because some is my money, and some is my parent’s for me to live on while in college…</p>
<p>If you want to be able to access your money quickly, and make interst, then ING is the way to go. If it’s a larger sum of money you plan to have sit there, I would suggest HSBC as per their rates now.</p>
<p>Both give you unlimited transfers between accounts and between an external checking and the accounts.</p>
<p>I have an ING savings and an electric orange checking with them. I like them both.</p>
<p>Fendergirl-
Glad you are liking the ING accounts :)</p>
<p>Whoa. Get this. I just discovered that the First National Bank of Omaha (<a href=“http://www.fnbo.com%5B/url%5D”>www.fnbo.com</a>) is offering an on-line direct account offering 6% interest!! I may consider switching, but I am not sure it is worth the hassle.</p>
<p>Here’s the link to the account offering 6% interest <a href=“https://www.fnbodirect.com/01d/html/en/learn_more/index.html[/url]”>https://www.fnbodirect.com/01d/html/en/learn_more/index.html</a></p>
<p>seems that 6% is a promo rate till 9/28</p>
<p>Yes, Simba, that is correct. I wish they’d give some idea of what their rate will be when they adjust (i.e. drop) it after the promo period. Also, while it says in all the big print that there are no monthly fees, in the small print , where they describe the 6% rate, they say “fees may reduce earnings”. I wonder if they will charge for transactions (transfers into/out of the account) or something like that. ING doesn’t charge for any transaction.</p>
<p>Some of these companies such as the GE one I believe have bad ratings.</p>