I love my ING direct account! Jamie thinks I am nuts because I can't get to my money right away, that was one of the reasons that I wanted that account (I'm a bit of an impulse buyer, lol), that and they have the highest interest rates for a savings acct and they take money automatically every month out of my checking and painlessly put it into my savings. My other bank also has a $6 per day charge if I go negative in my account so that gives me a huge incentive to keep very close check on my account balances. I am so proud of myself that I opened that ING Direct account!