ING Direct Savings Account Review

Overall Rating

Nothing

You can loose your savings.

ING Direct Savings Account is the worst bank I ever worked with. I've set up a new account, deposit $50 and tried to enter my wife into the system, so she can also withdraw money without me. After 3 weeks I tried to set up an automatic saving plan, so $100 every month will be deposited automatically from my own BOA account. But I could not. Then I figured out I can not do anything on the web site. It always gives me the same error, to call the customer service.
I've called the customer service to find out what's going on, but I could not do anything either. They requested to speak to my wife, who does not have anything to do with the operation I try to do and who is outside the U.S. and will come in 1 year.
I couldn't even explain to the supervisor, that the account belongs to me, that the money is transferred from my account, that I opened the account, that I set up everything and that I want to put more money into that saving account.
I think they are not humans, maybe some sort of humanoids. They do not understand. You can include someone to your account without getting a question. But then after they will block your account until they speak to that person. If that person does not exists at all or can not speak English, you have to forget your money.
Couple hours ago I was trying to setup an automatic saving plan, now I'm trying to close my account and never visit this site again. Can you imagine there is a possibility you can loose your savings one day by clicking something wrong on the web site.
And as I told the supervisor that I'm going to close that account because of this inconvenience, he even did not care about it.
That's not a bank it's a web site, and the worst website ever. I love my regular bank. At least there is a building you can go and speak to someone in any case.
And I'm not sure about the FDIC approval. It looks like it is nothing more than an advertisement. How can I prove that I've an account in ING? I don't have any written statement. I don't have anything which proves that I have an account there. They also don't show up on credit reports. It is totally virtual, and today they blocked my account because I've tried to include a second person to my account. Tomorrow they can even take all the money out because another cause. There is nobody you can talk to.
Instead of gamble with 4.5% or nothing I would prefer to go to Las Vegas, at least it is 100% or nothing.