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One thing everyone should know about the ING direct, they may not charge for Account fees but they have fees. They can avoid the basic fees as they do not provide any other services like “Walking in to a branch and speaking with a human"
If you ever need anything you will Speke with robots, who are trained for one things reach into your pocket and collect the $$ for bank, no matter how old of an customer you are, you are just a number for them to take advantage of you.
With that being said they collect $$ in many ways.

As an example if you use "Bill Pay" form Ing direct and you send out $100.00
They will take the $$ "OUT OF YOUR ACCOUNT INSTANTLY" - NOT ON HOLD OR IN PENDING. IT IS LIKE THE CHECK IS CASHED THE MOMENT IT IS SENT.

They gain 3 fold with this approach.

1 - Because the $$ are not in your account they will not have to pay interest on it.

2 - If for any reason the check dose not cashed they will keep you $$ for 90 days without any interest or obligation to you. IT IS ALMOST LIKE YOU GAVE THEM INTREST FREE LOAN FOR 90 DAYS.

3 - If the check was important and did not reach to the receiver, the customer will have to pay "STOP PAYMENT FEE", even of the check is not cashed or has no possibility of cashing.

There are many other rules that will just does not add up like,
ING direct will not do Bank Wire – but they will gladly charge you fee for overnight payment. They also have limit on how much you can send, if you reach that limit they will charge 2ce for overnight fee for the same payment even if it going to same place at same time.

And all these rules are in place to take the $$ out of your pocket no matter if it make sense or not. They are the bank rules and these rules are or should be against the low.

I run a small business and I wish I could operate the same way with my customer, by tacking $$ HOSTAGE from my customer. Brilliant strategy!! Illusions of providing services but the moment they have your $$ you are no longer in control.
I have been a customer with ING direct for almost decade, and don’t get me wrong that they do provide a service, however they are like sharks and they wait for the moment you need your cash, and their call is – OH YA YOU NEED CASH, IT WILL COST YOU ALL YOU GOT!!!

SAVINGS – I DO NOT THINK SO!

Running a business is one thing – charging fee for something is also understandable. Harassing customer with rules that does not add up is just STEALING in my book and I for one do not stand for it.
I will gladly take my business somewhere else.


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