I have opened a ing direct account a few years ago, but didn't realize till recently how awsome the site and service are. 3.00% interest a year where, citibank savings was giving .8 percent interest, it's practically triple. I like to keep my money organized , like in seperate piggy banks, ing direct in about two seconds lets you create seperate savings accounts each labeled the way you want. I have a "new laptop", "emergency", "vacation" and "new car" accounts how great is that. My life may never be the same IngDirect