Mike,IIRC, the hold ING Direct placed on the EFT deposit from our Bank of America was 5 business days. The rationale was that that's the way they've always done it -- you can't expect a pony and rider to travel with the speed of electricity, can you? I don't know if interest is being credited during the holding period, but I do know the funds are in limbo. I've moved our money from ING Direct, but have not closed the accounts.db
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