[jln25]

What about rates?

ING Direct USA: Savings: 0.30% APY Checking: 0.90% APY

Simple (via Bancorp) Savings: 0.30% APY Checking: 0.01% APY

Also, due to the acquisition of ING Direct USA by Capital One, the ING Direct logo and branding will expire in February, 2013. I bet we'll see new a UI/UX soon.

[SparksZilla]

Awesome points. I've noticed the Capital One logo at the bottom of the ING Direct page, so I hope you're right re: new UI/UX.

As for rates, does your checking account's interest rate ever really help you make a decision? Personally it doesn't, but would be curious to hear what others have to say.

[jln25]

Would I make a bank decision based on interest rates now? Not at all.

However, there was a time pre-2008 where one could get 2-3% with ING direct compared to less than 50bps elsewhere.

Since Bancorp's rate estimates are above, and Simple must be taking some spread - I'm curious if you would share rates at Simple.

[SparksZilla]

Rates are the same as the estimate right now.