If you're tired of sitting your money in a bank and earning no interest but also want to keep it safe you should consider opening a savings account with ING DIRECT. Their interest rates are often higher than Cash Deposits or Money Market Accounts and there are no account keeping fees, no services charges, no minimum deposit and you have access to your money 24 hours a day.

ING DIRECT can afford to offer higher interest rates than normal banks because they operate online and by mail. Which means they don't have the high overhead costs of normal banks and they can then pass these savings onto customers in the form of no account keeping fees and high interest rates.

Some of the features of ING DIRECT Savings account include:

• A variable 3.40% Annual Percentage Yield calculated daily
• No minimum deposit or no minimum balance required
• 24 hour access to your money online
• No hidden fees or charges
  

One of the fastest ways to increase your savings is to Pay Yourself First! But it's also one of the most difficult things to do. That's why we recommend and use the Automatic Savings Plan feature with ING DIRECT. Your ING Savings account will be linked to your current bank account (no need to change banks) and the Automatic Savings Plan is easy to set up and use. Just choose the amount you want to move to your ING savings account and how often you want it moved across and sit back and watch your savings grow!

ING Direct is backed by the global financial institution ING (NYSE:ING). They operate in more than 50 countries and employ more than 11000 people in the United States. Your funds are safe with insurance of up to $100,000 from the FDIC.

Start making more money on your savings right now.

Open a savings account in under five minutes with no fees, no minimums and FDIC insurance


ING Electric Orange Checking Account is a new offering that provides the access and convenience of a checking account with the earning power of a savings account. Along with all the regular features of the normal ING savings account, Electric Orange offers..

• Free ATM access at over 32,000 locations nationwide in the United States
  
• MasterCard® Debit Card convenience
  
• Send money securely for free with Electric Checks

Interest rates for those with less than $50,000 are 2.25%, if your Electric Orange balance is between $50,000 and $100,000 your interest rate will be 3.75% and if you have more than $100,000 in your account you will receive 4.00% annual percentage yields (all interest rates are variable).